Winnebago County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Winnebago County, IL distress report, 2026: 26 ZIPs scored in Winnebago, IL, Winnebago, IL average 26/100; the top Winnebago, IL ZIP is 61024 at 29/100; Winnebago, IL market phase expansion, Winnebago, IL prices +8.1% year over year.
- Winnebago, IL ranks #1,626 nationally (opportunity index); Winnebago, IL #34 in Illinois; Winnebago, IL index 29.0.
- Winnebago, IL ninety-day mortgage delinquency 1.1% in December 2025; Winnebago, IL twelve-month change +0.3%.
- Winnebago, IL ZIP phases: 26 expansion.
- Winnebago, IL residential listings tracked: 41 across 20 ZIPs; Winnebago, IL candidate listings 14.
- Winnebago, IL HUD assisted properties: 23 with 1,745 units.
- Winnebago, IL lenders on watch: 8; largest Winnebago, IL footprint Midland States Bank (8 branches).
- Winnebago, IL most distressed ZIP: 61024 at 29/100.
Winnebago, IL figures: DLRadar distress index; Winnebago, IL inputs: CFPB, FHFA, HUD, FDIC; Winnebago, IL rebuilt as sources refresh.
| Rank | Winnebago, IL ZIP | Score |
|---|---|---|
| 1 | 61024 | 29/100 |
| 2 | 61072 | 29/100 |
| 3 | 61077 | 29/100 |
| 4 | 61079 | 29/100 |
| 5 | 61088 | 29/100 |
| 6 | 61101 | 29/100 |
| 7 | 61103 | 29/100 |
| 8 | 61104 | 29/100 |
| 9 | 61108 | 29/100 |
| 10 | 61109 | 29/100 |
| 11 | 61112 | 29/100 |
| 12 | 61115 | 29/100 |
Most distressed Winnebago, IL ZIPs (0-100, 2026)
Mortgage delinquency in Winnebago, IL
1.1% of Winnebago, IL mortgages were ninety-plus days late (Winnebago, IL, December 2025); Winnebago, IL thirty-to-eighty-nine days late: 2.7%; Winnebago, IL twelve-month change +0.3%; Winnebago, IL peak since 2008: 5.2% (January 2010); Illinois overall 1.1%. Winnebago, IL ninety-day series: Dec 24 0.8, Jan 25 1.1, Feb 25 1.4 (Winnebago, IL), Mar 25 1.3, Apr 25 1.0, May 25 1.3 (Winnebago, IL), Jun 25 1.2, Jul 25 1.3, Aug 25 1.1 (Winnebago, IL), Sep 25 1.2, Oct 25 1.1, Nov 25 1.1 (Winnebago, IL), Dec 25 1.1.
Opportunity index: Winnebago, IL
Winnebago, IL index 29.0, Winnebago, IL phase early_signal; Winnebago, IL primary driver bank institutional, Winnebago, IL second driver listings discount. Winnebago, IL components: property stress 18.7, foreclosure pressure 15.2, listing discounts 37.7, bank stress 60.4, insurance 0.0; Winnebago, IL pulse 30.4; Winnebago, IL capital opportunity 26.8; Winnebago, IL seven-day change +0.2%.
ZIP market phases inside Winnebago, IL
26 Winnebago, IL ZIPs carry a price-cycle phase; Winnebago, IL ZIPs by phase (Winnebago, IL), deepest drawdown first: expansion, +8.1% YoY (Winnebago, IL): 61008, 61011, 61016, 61024, Winnebago, IL 61072, 61073, 61077, 61079, Winnebago, IL 61080, 61088, 61101; expansion, +6.6% YoY (Winnebago, IL): 61019; expansion, +5.9% YoY (Winnebago, IL): 61020; expansion, +5.8% YoY (Winnebago, IL): 61047, 61084; expansion, +7.7% YoY (Winnebago, IL): 61063.
Residential listings by Winnebago, IL ZIP
Winnebago, IL ZIPs with the most tracked Winnebago, IL residential listings: 61101 8 listings, 2 candidates, bank pressure 66; 61107 6 listings, 1 candidates, bank pressure 67; 61111 5 listings, 2 candidates, bank pressure 67; 61073 4 listings, 0 candidates, bank pressure 67 (Winnebago, IL); 61080 4 listings, 2 candidates, bank pressure 67; 61024 3 listings, 2 candidates, bank pressure 66; 61109 3 listings, 3 candidates, bank pressure 70; 61103 2 listings, 1 candidates, bank pressure 66. Winnebago, IL totals: 41 listings; Winnebago, IL candidates 14; active ZIPs 12.
HUD assisted housing in Winnebago, IL
23 assisted properties with 1,745 units sit in Winnebago, IL; largest Winnebago, IL properties: Mulford Park Aka Rockford Square Ii (Rockford) 268 units; Valley View Apartments (Rockford) 167 units; Park Tower Apts (Loves Park) 151 units, 151 assisted in Winnebago, IL; Mulford Park Aka Rockford Square Apartments (Rockford) 144 units; Hampton Woods And Hampton Crossing (Rockford) 134 units; The Gardens On Prairie Rose (Roscoe) 128 units.
Lenders with branches in Winnebago, IL
Winnebago, IL lenders by branch count: Midland States Bank (Winnebago, IL): stress 69, 8 branches low in Winnebago, IL; Bmo Bank National Assn (Winnebago, IL): stress 72, 6 branches low in Winnebago, IL; Foresight Bank (Winnebago, IL): stress 70, 6 branches moderate in Winnebago, IL; First Mid B&T Na (Winnebago, IL): stress 62, 4 branches low in Winnebago, IL; St Charles B&T Co Na (Winnebago, IL): stress 62, 3 branches low in Winnebago, IL; Stillman Banccorp N A (Winnebago, IL): stress 83, 2 branches low in Winnebago, IL; Solutions Bank (Winnebago, IL): stress 82, 2 branches low in Winnebago, IL; Harvard State Bank (Winnebago, IL): stress 74, 1 branch low in Winnebago, IL.
Vacancy and permits, Winnebago, IL
8,988 of 125,002 Winnebago, IL housing units are vacant; Winnebago, IL permits, twelve months: 0 multifamily units in Winnebago, IL, 345 one-to-four unit units.
Work Winnebago, IL at the parcel level
Every Winnebago, IL parcel carries owner and address; every Winnebago, IL parcel carries APN; Winnebago, IL distress scores sit on the Winnebago, IL live board.
Winnebago, IL figures refresh with each source.
Winnebago, IL questions
Most distressed ZIP code in Winnebago County, IL?
ZIP 61024 leads Winnebago, IL at 29/100; next in Winnebago, IL: 61072 at 29/100; the Winnebago, IL average is 26/100.
Where does Winnebago County, IL rank for investment opportunity?
Winnebago, IL is #1,626 among all ranked counties, #34 in Illinois; the Winnebago, IL driver is bank institutional; Winnebago, IL moved up 639 places.
How many mortgages are delinquent in Winnebago County, IL?
1.1% of Winnebago, IL mortgages were ninety-plus days late in December 2025; the Winnebago, IL peak since 2008 was 5.2%.
Which banks lend in Winnebago County, IL?
8 watched lenders hold Winnebago, IL branches; the largest Winnebago, IL footprints are Midland States Bank (8), Bmo Bank National Assn (6), Foresight Bank (6).
More on Winnebago, IL
Winnebago County, IL distress report: public-record figures for Winnebago, IL; not legal advice for Winnebago, IL; not tax or investment advice; verify every Winnebago, IL record before acting.