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

Effingham County, IL, Illinois: 15 ZIP codes scored, Effingham County, IL averaging 8/100 (minimal, Effingham, IL), from 5 to 10. Effingham County, IL is in its expansion phase (Effingham, IL confidence 33/100): Effingham, IL home prices up 5.7% (Effingham, IL) over twelve months. Effingham County, IL lender headwind: 69/100.

Highest-scoring Effingham County, IL ZIPs: 62461 (10/100), 62462 (10/100), 62401 (9/100), 62411 (9/100), 62414 (9/100), 62424 (9/100). Also scored in Effingham County, IL: 62443, 62473, 62426, 62458, 62467, 62838, 62858, 62445, 62479.

Across Effingham County, IL's scored ZIPs: median home value $161,507, household income $73,795, 7.4% vacancy, 11.3% poverty, 83% owner-occupied, median age 41.1.

Effingham County, IL insurance distress 0/100 (#2,622 in the US); FEMA hazard 0/100 for Effingham, IL; Effingham, IL construction distress 1/100.

11 banks with 21 branches lend in Effingham County, IL; Effingham, IL weighted bank stress 63/100, highest 81/100 in Effingham, IL.

Effingham County, IL unemployment 2.9% (Effingham, IL -2.0 pts, six months); 56 new housing units permitted in Effingham County, IL over twelve months, Effingham, IL up 56% from 36; Effingham, IL home prices +8.3% a year (Effingham, IL) over three years.

15,413 housing units in Effingham County, IL; 3,076 Effingham, IL renter households; 28% of Effingham, IL renters spend 30%+ of income on rent, 11% (Effingham, IL) half or more.

Effingham County, IL ranks #3,000 nationally on the opportunity index (Effingham, IL, among all ranked counties); Effingham, IL scores 23.1/100 and Effingham, IL sits #97 inside Illinois. Effingham, IL is in the weak opportunity phase; Effingham, IL's primary driver is bank institutional, Effingham, IL second driver vacancy; Effingham, IL moved up 100 places. 3 short-sale listings across Effingham, IL; 99 days on market observed in Effingham, IL; 8.6% vacancy over 15 Effingham, IL ZIPs.

No CFPB county sample covers Effingham County, IL. The non-metro area reading for Effingham, IL: 1.4% ninety-plus days late; Effingham, IL's thirty-to-eighty-nine share is 2.8% (Effingham, IL, December 2025 data); Illinois overall 1.1%.

Effingham County, IL has 10 watched banks; 10 Effingham, IL banks sit in an elevated band. Effingham, IL footprints: Dieterich Bank (5 branches, stress 81) in Effingham, IL; Midland States Bank (3 branches, stress 69) in Effingham, IL; Washington Savings Bank (2 branches, stress 70) in Effingham, IL.

HUD lists 1 assisted multifamily property in Effingham County, IL with 113 units; 113 Effingham, IL units are assisted, 1 Effingham, IL properties under project-based Section 8.

1,462 of the 15,413 housing units in Effingham, IL sit vacant. Effingham County, IL permitted 22 multifamily units in twelve months; Effingham, IL's one-to-four unit structures added 34 units in Effingham County, IL.