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

Winnebago County, Illinois sits inside DLRadar's nationwide distress index, built entirely from public records. Across its ZIPs, composite distress spans 13 to 28 out of 100. There are 26 scored ZIPs in the county (mean composite 26/100). The county's lending-headwind score sits at 73/100 (elevated).

The expansion-phase county posted home values that rose 8.1% over twelve months, a 44/100-confidence read. Even as prices climb, the laggards keep building even as the headline looks strong.

Even appreciating at +8.1% YoY (44/100 confidence), distress still hides in specific ZIPs where the scoring still flags pressure. Bank stress at 73/100 is a buyer tailwind: banks under pressure move REO faster.

Top distress by ZIP runs 61024 (28/100), 61072 (28/100), 61073 (28/100), 61077 (28/100), 61079 (28/100), 61088 (28/100), listed with every scored ZIP below. Further scored ZIPs: 61101, 61102, 61103, 61104, 61108, 61109, 61111, 61112, 61115, 61063.

Underneath the scores, Winnebago County's tracked footprint come in at a 6.3% vacancy rate, a 11.5% poverty rate, a median age of 43.5, home values averaging roughly $180,704, below the US, a median household income near $69,282 (near the US norm), 73% of homes owner-occupied. Income, equity and tenure like these drive who sells under pressure and how fast a deal moves.

All in at 26/100 over 26 ZIPs, Winnebago County rewards parcel-by-parcel work and not a county-wide play. Inside DLRadar, each Winnebago County property carries owner, address and APN, a distress score plus a funding-to-closing path.

Because Winnebago County, Illinois is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Winnebago County against neighboring markets or the rest of Illinois on equal footing.

Read Winnebago County, Illinois as a heat map for effort — the county's low composite of 26/100 hides wide ZIP-level variation, and the return comes from chasing the hot ZIPs, not the average. All Winnebago County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

At the ZIP level, the sharpest readings in Winnebago County are 61024 (28/100), 61072 (28/100), 61073 (28/100), 61077 (28/100), 61079 (28/100), 61088 (28/100). DLRadar also scores 61101, 61102, 61103, 61104, 61108, 61109, 61111, 61112 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

The Winnebago County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.