Illinois Foreclosures, Tax Liens & Distressed Properties

Illinois is scored county by county and ZIP by ZIP in DLRadar's deterministic distress index. The dominant market phase statewide is expansion (avg HPI +5.2% YoY). By market phase, the county split is 81 expansion, 21 peak. The state covers 102 scored counties and 1,396 ZIP codes, averaging 20/100 composite distress.

The sharpest county readings come from Hardin County, Pope County, Ogle County, Monroe County, Lee County.

At the ZIP level, the highest distress in Illinois shows up in 60004 (34/100), 60005 (34/100), 60007 (34/100), 60008 (34/100), 60016 (34/100).

A county-level read across Illinois follows.

Adams County is in its expansion phase, up 5.7% on the year, lender pressure 34/100. Alexander County is peak (values rising 4.3%, 2.9% off peak, lender pressure 43/100). Bond County reads peak — prices up 3.9%, headwind 79/100. Boone County is in its expansion phase, values rising 8.1%, lender pressure 83/100. Brown County reads expansion — up 5.3% on the year, a 64/100 lender reading. DLRadar reads Bureau County as expansion — values rising 5.7%, bank stress 55/100. Calhoun County: peak, homes +3.9% YoY, a 32/100 lender reading.

Carroll County is expansion (appreciation near 5.3%, bank stress 81/100). Cass County sits in expansion, up 5.3% on the year, bank stress 64/100. In Champaign County, peak: homes +4.0% YoY, headwind 46/100. Christian County — expansion, appreciation near 5.7%, lender pressure 42/100. In Clark County, expansion: appreciation near 5.3%, a 61/100 lender reading. Clay County — expansion, values rising 5.3%, a 81/100 lender reading. Clinton County — peak, up 3.9% on the year, a 49/100 lender reading.

Coles County: expansion, up 5.7% on the year, lender pressure 55/100. Cook County: expansion, values rising 5.7%, a 47/100 lender reading. Crawford County is in its expansion phase, appreciation near 5.3%, headwind 50/100. DLRadar reads Cumberland County as expansion — appreciation near 5.7%, bank stress 50/100. Dekalb County is in its expansion phase, appreciation near 5.7%, headwind 49/100. In De Witt County, expansion: prices up 5.3%, bank stress 58/100. Douglas County is in its expansion phase, appreciation near 5.3%, bank stress 44/100.

Dupage County reads expansion — prices up 5.7%, lender pressure 43/100. Edgar County — expansion, homes +5.3% YoY, a 92/100 lender reading. In Edwards County, expansion: up 5.3% on the year, headwind 34/100. DLRadar reads Effingham County as expansion — values rising 5.7%, bank stress 69/100. Fayette County reads expansion — values rising 5.3%, bank stress 83/100. Ford County is peak (values rising 4.0%). Franklin County reads expansion — values rising 5.3%, a 52/100 lender reading.

Fulton County is in its expansion phase, values rising 5.7%, lender pressure 61/100. DLRadar reads Gallatin County as expansion — prices up 5.3%, headwind 65/100. Greene County: expansion, up 5.3% on the year, lender pressure 47/100. Grundy County is expansion (values rising 5.7%, lender pressure 34/100). Hamilton County sits in expansion, values rising 5.3%, a 65/100 lender reading. Hancock County — expansion, up 5.3% on the year, headwind 68/100. DLRadar reads Hardin County as expansion — prices up 5.3%, bank stress 100/100.

In Henderson County, expansion: homes +5.7% YoY, headwind 84/100. Henry County sits in peak, homes +3.8% YoY, a 63/100 lender reading. Iroquois County: expansion, appreciation near 5.3%, a 63/100 lender reading. Jackson County is in its expansion phase, appreciation near 5.7%, headwind 56/100. Jasper County is in its expansion phase, homes +5.3% YoY, headwind 44/100. Jefferson County is expansion (appreciation near 5.7%, bank stress 36/100). Jersey County is in its peak phase, up 3.9% on the year, a 62/100 lender reading.

Jo Daviess County is in its expansion phase, up 5.3% on the year, bank stress 60/100. Johnson County sits in expansion, homes +5.3% YoY, bank stress 77/100. Kane County sits in expansion, up 5.7% on the year, lender pressure 44/100. Kankakee County: expansion, prices up 5.9%, bank stress 78/100. Kendall County sits in expansion, prices up 5.7%, a 30/100 lender reading. Knox County: expansion, up 5.7% on the year, lender pressure 59/100. In Lake County, expansion: values rising 5.7%, bank stress 44/100.

Lasalle County is expansion (up 5.7% on the year, headwind 66/100).

Illinois opportunity phases: 54 weak, 27 early_signal, 18 watchlist, 3 peak_opportunity; Illinois average index 27.8. Best-ranked Illinois counties: St. Clair #311 (34.7), construction; Jersey #433 (33.8), vacancy; Carroll #496 (33.5), vacancy in Illinois; Vermilion #775 (32.1), bank institutional; Jo Daviess #775 (32.1), vacancy; Warren #800 (32.0), construction.

Illinois mortgages ninety-plus days late: 1.1%; Illinois thirty-to-eighty-nine days late 2.2% (December 2025); 16 Illinois counties sit in the CFPB sample; highest Illinois county readings: Will 1.4%, St. Clair 1.3%, Kendall 1.2%, Cook 1.2%, Lake 1.1%.

Illinois county unemployment averages 3.8% across 102 counties; Illinois permitted 19,157 housing units in twelve months (7,943 multifamily); 421,003 of 5,457,452 Illinois housing units are vacant; 1,658,870 Illinois renter households, 35.5% spending 30%+ of income on rent.

Illinois ZIP price-cycle phases: 5,141 peak, 1,517 expansion, 933 contraction, 471 neutral, 230 recovery.