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

Stephenson County, IL, Illinois: 19 ZIP codes scored, Stephenson County, IL averaging 20/100 (low, Stephenson, IL), from 17 to 27. Stephenson County, IL is in its expansion phase (Stephenson, IL confidence 33/100): Stephenson, IL home prices up 5.7% (Stephenson, IL) over twelve months. Stephenson County, IL lender headwind: 69/100.

Highest-scoring Stephenson County, IL ZIPs: 61063 (27/100), 61047 (25/100), 61007 (24/100), 61039 (24/100), 61019 (22/100), 61044 (20/100). Also scored in Stephenson County, IL: 61048, 61062, 61089, 61013, 61018, 61027, 61032, 61050, 61060, 61067.

Across Stephenson County, IL's scored ZIPs: median home value $159,400, household income $67,340, 8.6% vacancy, 8.1% poverty, 86% owner-occupied, median age 44.8.

Stephenson County, IL insurance distress 19/100 (#2,365 in the US); FEMA hazard 0/100 for Stephenson, IL; 2 Stephenson, IL NFIP flood claims, $3K paid; Stephenson, IL construction distress 49/100.

9 banks with 17 branches lend in Stephenson County, IL; Stephenson, IL weighted bank stress 66/100, highest 92/100 in Stephenson, IL.

Stephenson County, IL unemployment 3.9% (Stephenson, IL -1.6 pts, six months); 16 new housing units permitted in Stephenson County, IL over twelve months, Stephenson, IL up 7% from 15; Stephenson, IL home prices +9.6% a year (Stephenson, IL) over three years.

21,330 housing units in Stephenson County, IL; 5,645 Stephenson, IL renter households; 41% of Stephenson, IL renters spend 30%+ of income on rent, 17% (Stephenson, IL) half or more.

Stephenson County, IL ranks #2,111 nationally on the opportunity index (Stephenson, IL, among all ranked counties); Stephenson, IL scores 27.3/100 and Stephenson, IL sits #60 inside Illinois. Stephenson, IL is in the weak opportunity phase; Stephenson, IL's primary driver is bank institutional, Stephenson, IL second driver vacancy; Stephenson, IL moved up 133 places. 6 short-sale listings across Stephenson, IL; 77 days on market observed in Stephenson, IL; 9.2% vacancy over 19 Stephenson, IL ZIPs.

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

Stephenson County, IL has 6 watched banks; 6 Stephenson, IL banks sit in an elevated band. Stephenson, IL footprints: Foresight Bank (4 branches, stress 70) in Stephenson, IL; Community Bank (3 branches, stress 46) in Stephenson, IL; Union Savings Bank (2 branches, stress 92) in Stephenson, IL.

HUD lists 6 assisted multifamily properties in Stephenson County, IL with 279 units; 213 Stephenson, IL units are assisted, 1 Stephenson, IL properties under project-based Section 8.

1,972 of the 21,330 housing units in Stephenson, IL sit vacant. Stephenson County, IL permitted 0 multifamily units in twelve months; Stephenson, IL's one-to-four unit structures added 16 units in Stephenson County, IL.