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

Winnebago County, IL, Illinois: 26 ZIP codes scored, Winnebago County, IL averaging 26/100 (low, Winnebago, IL), from 13 to 29. Winnebago County, IL is in its expansion phase (Winnebago, IL confidence 44/100): Winnebago, IL home prices up 8.1% (Winnebago, IL) over twelve months. Winnebago County, IL lender headwind: 73/100.

Highest-scoring Winnebago County, IL ZIPs: 61024 (29/100), 61072 (29/100), 61077 (29/100), 61079 (29/100), 61088 (29/100), 61101 (29/100). Also scored in Winnebago County, IL: 61103, 61104, 61108, 61109, 61112, 61115, 61073, 61102, 61107, 61111.

Across Winnebago County, IL's scored ZIPs: median home value $180,704, household income $69,282, 6.3% vacancy, 11.5% poverty, 73% owner-occupied, median age 43.5.

Winnebago County, IL insurance distress 74/100 (#535 in the US); FEMA hazard 63/100 for Winnebago, IL; 3 federal disaster declarations in Winnebago County, IL since 2023 (3 flood); 52 Winnebago, IL NFIP flood claims, $1.6M paid; Winnebago, IL construction distress 22/100.

18 banks with 62 branches lend in Winnebago County, IL; Winnebago, IL weighted bank stress 66/100, highest 83/100 in Winnebago, IL.

Winnebago County, IL unemployment 4.6% (Winnebago, IL -2.0 pts, six months); 345 new housing units permitted in Winnebago County, IL over twelve months, Winnebago, IL up 29% from 268; Winnebago, IL home prices +11.5% a year (Winnebago, IL) over three years.

125,002 housing units in Winnebago County, IL; 40,130 Winnebago, IL renter households; 46% of Winnebago, IL renters spend 30%+ of income on rent, 25% (Winnebago, IL) half or more.

Winnebago County, IL ranks #1,626 nationally on the opportunity index (Winnebago, IL, among all ranked counties); Winnebago, IL scores 29.0/100 and Winnebago, IL sits #34 inside Illinois. Winnebago, IL is in the early_signal opportunity phase; Winnebago, IL's primary driver is bank institutional, Winnebago, IL second driver listings discount; Winnebago, IL moved up 639 places. 21 short-sale listings across Winnebago, IL; 95 days on market observed in Winnebago, IL; 7.3% vacancy over 26 Winnebago, IL ZIPs.

1.1% of Winnebago County, IL mortgages were ninety-plus days late in December 2025; Winnebago, IL's thirty-to-eighty-nine-day share was 2.7% (CFPB county sample). Winnebago, IL's ninety-day rate is up 0.3 points on twelve months earlier; the Winnebago, IL peak since 2008 was 5.2% in January 2010; Illinois overall reads 1.1%.

Winnebago County, IL has 9 watched banks; 9 Winnebago, IL banks sit in an elevated band. Winnebago, IL footprints: Midland States Bank (8 branches, stress 69) in Winnebago, IL; Bmo Bank National Assn (6 branches, stress 72) in Winnebago, IL; Foresight Bank (6 branches, stress 70) in Winnebago, IL.

HUD lists 23 assisted multifamily properties in Winnebago County, IL with 1,745 units; 679 Winnebago, IL units are assisted, 6 Winnebago, IL properties under project-based Section 8.

8,988 of the 125,002 housing units in Winnebago, IL sit vacant. Winnebago County, IL permitted 0 multifamily units in twelve months; Winnebago, IL's one-to-four unit structures added 345 units in Winnebago County, IL.