Winnebago County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Winnebago County, Illinois? DLRadar grades every Winnebago County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Winnebago County breakdown.
- Winnebago County's most distressed ZIP is 61024 at 28/100.
- 26 ZIP codes tracked in Winnebago County, averaging 26/100 distress.
- Winnebago County reads expansion — home values up 8.1% year over year.
- Vacancy runs 6.3% across Winnebago County's tracked ZIPs, with a 11.5% poverty rate.
- The typical Winnebago County home is worth about $180,704 against a ~$69,282 median income.
- Lending headwind in Winnebago County sits at 73/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61024 | 28/100 |
| 2 | 61072 | 28/100 |
| 3 | 61073 | 28/100 |
| 4 | 61077 | 28/100 |
| 5 | 61079 | 28/100 |
| 6 | 61088 | 28/100 |
| 7 | 61101 | 28/100 |
| 8 | 61102 | 28/100 |
| 9 | 61103 | 28/100 |
| 10 | 61104 | 28/100 |
| 11 | 61108 | 28/100 |
| 12 | 61109 | 28/100 |
Most distressed ZIP codes in Winnebago County (composite distress 0-100, 2026)
What is driving Winnebago County distress
Nothing here is estimated: Winnebago County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Winnebago County market phase and pricing
Phase for Winnebago County: expansion (+8.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Winnebago County
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Common questions
What is the most distressed ZIP code in Winnebago County, IL?
ZIP 61024 leads Winnebago County at 28/100, recomputed monthly from public records.
What market phase is Winnebago County in?
The market phase for Winnebago County is expansion, prices rising 8.1% on the year — derived from the FHFA House Price Index path.
Can the Winnebago County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 26 Winnebago County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Winnebago County ZIP codes?
The county figure is a blend, not a description. Across the Winnebago County ZIPs DLRadar ranks, scores run from 28/100 in 61024 down to 28/100 in 61109, against a Winnebago County average of 26/100. With 0 points between best and worst, county-level targeting in Winnebago County wastes effort.
What do Winnebago County home values and vacancy say about distressed supply?
The typical Winnebago County home carries about $180,704 of value against a median household income near $69,282. Vacancy across Winnebago County's tracked ZIPs runs 6.3% and the poverty rate is 11.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Winnebago County's filings and its 73/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.