Elkhart County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Elkhart County, IN distress report, 2026: 17 ZIPs scored in Elkhart, IN, Elkhart, IN average 22/100; the top Elkhart, IN ZIP is 46507 at 25/100; Elkhart, IN market phase peak, Elkhart, IN prices +5.0% year over year.
- Elkhart, IN ranks #2,003 nationally (opportunity index); Elkhart, IN #66 in Indiana; Elkhart, IN index 27.7.
- Elkhart, IN ninety-day mortgage delinquency 1.1% in December 2025; Elkhart, IN twelve-month change -0.1%.
- Elkhart, IN ZIP phases: 12 peak, 5 expansion.
- Elkhart, IN residential listings tracked: 27 across 11 ZIPs; Elkhart, IN candidate listings 13.
- Elkhart, IN HUD assisted properties: 16 with 1,732 units.
- Elkhart, IN lenders on watch: 8; largest Elkhart, IN footprint Lake City Bank (11 branches).
- Elkhart, IN most distressed ZIP: 46507 at 25/100.
Elkhart, IN figures: DLRadar distress index; Elkhart, IN inputs: CFPB, FHFA, HUD, FDIC; Elkhart, IN rebuilt as sources refresh.
| Rank | Elkhart, IN ZIP | Score |
|---|---|---|
| 1 | 46507 | 25/100 |
| 2 | 46514 | 25/100 |
| 3 | 46516 | 25/100 |
| 4 | 46517 | 25/100 |
| 5 | 46526 | 25/100 |
| 6 | 46528 | 25/100 |
| 7 | 46553 | 25/100 |
| 8 | 46550 | 24/100 |
| 9 | 46567 | 24/100 |
| 10 | 46540 | 23/100 |
| 11 | 46542 | 21/100 |
| 12 | 46543 | 21/100 |
Most distressed Elkhart, IN ZIPs (0-100, 2026)
Mortgage delinquency in Elkhart, IN
1.1% of Elkhart, IN mortgages were ninety-plus days late (Elkhart, IN, December 2025); Elkhart, IN thirty-to-eighty-nine days late: 3.0%; Elkhart, IN twelve-month change -0.1%; Elkhart, IN peak since 2008: 5.6% (October 2009); Indiana overall 1.0%. Elkhart, IN ninety-day series: Dec 24 1.2, Jan 25 0.9, Feb 25 1.0 (Elkhart, IN), Mar 25 0.7, Apr 25 0.7, May 25 0.7 (Elkhart, IN), Jun 25 1.0, Jul 25 0.9, Aug 25 0.9 (Elkhart, IN), Sep 25 0.9, Oct 25 1.0, Nov 25 1.1 (Elkhart, IN), Dec 25 1.1.
Opportunity index: Elkhart, IN
Elkhart, IN index 27.7, Elkhart, IN phase weak; Elkhart, IN primary driver construction, Elkhart, IN second driver bank institutional. Elkhart, IN components: property stress 15.2, foreclosure pressure 14.6, listing discounts 25.1, bank stress 52.3, insurance 0.0; Elkhart, IN pulse 31.0; Elkhart, IN capital opportunity 22.7.
ZIP market phases inside Elkhart, IN
17 Elkhart, IN ZIPs carry a price-cycle phase; Elkhart, IN ZIPs by phase (Elkhart, IN), deepest drawdown first: peak, +5.0% YoY (Elkhart, IN): 46507, 46514, 46516, 46517, Elkhart, IN 46526, 46528, 46540, 46553; expansion, +6.0% YoY (Elkhart, IN): 46530, 46561; peak, +4.3% YoY (Elkhart, IN): 46542; expansion, +5.0% YoY (Elkhart, IN): 46543; peak, +4.7% YoY (Elkhart, IN): 46550; expansion, +5.1% YoY (Elkhart, IN): 46565; peak, +4.5% YoY (Elkhart, IN): 46567; expansion, +5.5% YoY (Elkhart, IN): 46573.
Residential listings by Elkhart, IN ZIP
Elkhart, IN ZIPs with the most tracked Elkhart, IN residential listings: 46516 8 listings, 4 candidates, bank pressure 55; 46514 7 listings, 4 candidates, bank pressure 55; 46507 3 listings, 1 candidates, bank pressure 55; 46517 3 listings, 0 candidates, bank pressure 55 (Elkhart, IN); 46526 3 listings, 2 candidates, bank pressure 55; 46540 2 listings, 2 candidates, bank pressure 56; 46528 1 listings, 0 candidates, bank pressure 55; 46543 0 listings, 0 candidates, bank pressure 58. Elkhart, IN totals: 27 listings; Elkhart, IN candidates 13; active ZIPs 7.
HUD assisted housing in Elkhart, IN
16 assisted properties with 1,732 units sit in Elkhart, IN; largest Elkhart, IN properties: North Lake Apartments (Elkhart) 192 units; The Overlook Apartments (Elkhart) 188 units; Arbors At Riverbend (Osceola) 184 units in Elkhart, IN; North River Landing Apartments (Elkhart) 176 units; Stratford Commons (Elkhart) 159 units, 159 assisted; Ashton Pines (Elkhart) 144 units.
Lenders with branches in Elkhart, IN
Elkhart, IN lenders by branch count: Lake City Bank (Elkhart, IN): stress 56, 11 branches low in Elkhart, IN; 1st Source Bank (Elkhart, IN): stress 38, 8 branches low in Elkhart, IN; First Stb Of Middlebury (Elkhart, IN): stress 53, 5 branches low in Elkhart, IN; Centier Bank (Elkhart, IN): stress 60, 4 branches low in Elkhart, IN; First Federal Savings Bank (Elkhart, IN): stress 74, 1 branch moderate in Elkhart, IN; Campbell&Fetter Bank (Elkhart, IN): stress 74, 1 branch low in Elkhart, IN; Old National Bank (Elkhart, IN): stress 58, 1 branch low in Elkhart, IN; Farmers State Bank (Elkhart, IN): stress 54, 1 branch low in Elkhart, IN.
Vacancy and permits, Elkhart, IN
8,184 of 80,493 Elkhart, IN housing units are vacant; Elkhart, IN permits, twelve months: 71 multifamily units in Elkhart, IN, 372 one-to-four unit units.
Work Elkhart, IN at the parcel level
Every Elkhart, IN parcel carries owner and address; every Elkhart, IN parcel carries APN; Elkhart, IN distress scores sit on the Elkhart, IN live board.
Elkhart, IN figures refresh with each source.
Elkhart, IN questions
Most distressed ZIP code in Elkhart County, IN?
ZIP 46507 leads Elkhart, IN at 25/100; next in Elkhart, IN: 46514 at 25/100; the Elkhart, IN average is 22/100.
Where does Elkhart County, IN rank for investment opportunity?
Elkhart, IN is #2,003 among all ranked counties, #66 in Indiana; the Elkhart, IN driver is construction; Elkhart, IN moved up 74 places.
How many mortgages are delinquent in Elkhart County, IN?
1.1% of Elkhart, IN mortgages were ninety-plus days late in December 2025; the Elkhart, IN peak since 2008 was 5.6%.
Which banks lend in Elkhart County, IN?
8 watched lenders hold Elkhart, IN branches; the largest Elkhart, IN footprints are Lake City Bank (11), 1st Source Bank (8), First Stb Of Middlebury (5).
More on Elkhart, IN
Elkhart County, IN distress report: public-record figures for Elkhart, IN; not legal advice for Elkhart, IN; not tax or investment advice; verify every Elkhart, IN record before acting.