Elkhart County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Elkhart County, Indiana? DLRadar grades every Elkhart County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Elkhart County breakdown.
- Elkhart County's most distressed ZIP is 46507 at 25/100.
- 17 ZIP codes tracked in Elkhart County, averaging 22/100 distress.
- Elkhart County reads peak — home values up 5.0% year over year.
- Vacancy runs 8.6% across Elkhart County's tracked ZIPs, with a 8.8% poverty rate.
- The typical Elkhart County home is worth about $244,276 against a ~$76,143 median income.
- Lending headwind in Elkhart County sits at 31/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 46567 | 24/100 |
| 9 | 46540 | 23/100 |
| 10 | 46550 | 23/100 |
| 11 | 46573 | 22/100 |
| 12 | 46530 | 21/100 |
Most distressed ZIP codes in Elkhart County (composite distress 0-100, 2026)
What is driving Elkhart County distress
DLRadar builds Elkhart County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Elkhart County market phase and pricing
Elkhart County currently sits in peak after a 5.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Common questions
What is the hardest-hit ZIP in Elkhart County?
ZIP 46507 leads Elkhart County at 25/100, recomputed monthly from public records.
Is Elkhart County expanding or contracting?
Elkhart County is classified peak with a 5.0% year-over-year increase, following the FHFA House Price Index.
Can the Elkhart County figures be verified?
Elkhart County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 17 ZIPs are comparable to anywhere else.
How much do distress scores vary between Elkhart County ZIP codes?
One county number flattens a wide range. Across the Elkhart County ZIPs DLRadar ranks, scores run from 25/100 in 46507 down to 21/100 in 46530, against a Elkhart County average of 22/100. A spread of 4 points means Elkhart County has to be worked ZIP by ZIP.
What do Elkhart County home values and vacancy say about distressed supply?
The typical Elkhart County home carries about $244,276 of value against a median household income near $76,143. Vacancy across Elkhart County's tracked ZIPs runs 8.6% and the poverty rate is 8.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Elkhart County's foreclosure and lien filings and its 31/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.