Champaign County, IL: Foreclosures, Tax Liens & Distressed Properties

Champaign County, IL, Illinois: 35 ZIP codes scored, Champaign County, IL averaging 16/100 (low, Champaign, IL), from 6 to 18. Champaign County, IL is in its peak phase (Champaign, IL confidence 36/100): Champaign, IL home prices up 4.0% (Champaign, IL) over twelve months. Champaign County, IL lender headwind: 46/100.

Highest-scoring Champaign County, IL ZIPs: 61801 (18/100), 61802 (18/100), 61815 (18/100), 61816 (18/100), 61820 (18/100), 61821 (18/100). Also scored in Champaign County, IL: 61822, 61840, 61843, 61847, 61849, 61859, 61862, 61863, 61864, 61866.

Across Champaign County, IL's scored ZIPs: median home value $192,483, household income $66,814, 10.0% vacancy, 10.0% poverty, 77% owner-occupied, median age 41.5.

Champaign County, IL insurance distress 22/100 (#2,063 in the US); FEMA hazard 0/100 for Champaign, IL; 5 Champaign, IL NFIP flood claims, $21K paid.

29 banks with 71 branches lend in Champaign County, IL; Champaign, IL weighted bank stress 61/100, highest 96/100 in Champaign, IL.

Champaign County, IL unemployment 3.9% (Champaign, IL -0.9 pts, six months); 1,903 new housing units permitted in Champaign County, IL over twelve months, Champaign, IL up 200% from 634; Champaign, IL home prices +9.4% a year (Champaign, IL) over three years.

95,115 housing units in Champaign County, IL; 38,999 Champaign, IL renter households; 47% of Champaign, IL renters spend 30%+ of income on rent, 27% (Champaign, IL) half or more.

Champaign County, IL ranks #2,956 nationally on the opportunity index (Champaign, IL, among all ranked counties); Champaign, IL scores 23.5/100 and Champaign, IL sits #95 inside Illinois. Champaign, IL is in the weak opportunity phase; Champaign, IL's primary driver is bank institutional, Champaign, IL second driver vacancy; Champaign, IL moved up 41 places. 6 short-sale listings across Champaign, IL; 119 days on market observed in Champaign, IL; 10.9% vacancy over 35 Champaign, IL ZIPs.

0.7% of Champaign County, IL mortgages were ninety-plus days late in December 2025; Champaign, IL's thirty-to-eighty-nine-day share was 1.5% (CFPB county sample). Champaign, IL's ninety-day rate is up 0.5 points on twelve months earlier; the Champaign, IL peak since 2008 was 2.2% in December 2011; Illinois overall reads 1.1%.

Champaign County, IL has 23 watched banks; 23 Champaign, IL banks sit in an elevated band. Champaign, IL footprints: Busey Bank (9 branches, stress 51) in Champaign, IL; Philo Exchange Bank (5 branches, stress 71) in Champaign, IL; First Mid B&T Na (5 branches, stress 62) in Champaign, IL.

HUD lists 16 assisted multifamily properties in Champaign County, IL with 2,112 units; 68 Champaign, IL units are assisted, 2 Champaign, IL properties under project-based Section 8.

9,643 of the 95,115 housing units in Champaign, IL sit vacant. Champaign County, IL permitted 1,690 multifamily units in twelve months; Champaign, IL's one-to-four unit structures added 213 units in Champaign County, IL.