Hamilton County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hamilton County, IN distress report, 2026: 23 ZIPs scored in Hamilton, IN, Hamilton, IN average 28/100; the top Hamilton, IN ZIP is 46236 at 35/100; Hamilton, IN market phase peak, Hamilton, IN prices +3.1% year over year.
- Hamilton, IN ranks #2,056 nationally (opportunity index); Hamilton, IN #63 in Indiana; Hamilton, IN index 27.5.
- Hamilton, IN ninety-day mortgage delinquency 0.4% in December 2025; Hamilton, IN twelve-month change -0.1%.
- Hamilton, IN ZIP phases: 23 peak.
- Hamilton, IN residential listings tracked: 273 across 13 ZIPs; Hamilton, IN candidate listings 42.
- Hamilton, IN HUD assisted properties: 22 with 3,770 units.
- Hamilton, IN lenders on watch: 8; largest Hamilton, IN footprint National Bank Of Inpolis (6 branches).
- Hamilton, IN most distressed ZIP: 46236 at 35/100.
Hamilton, IN figures: DLRadar distress index; Hamilton, IN inputs: CFPB, FHFA, HUD, FDIC; Hamilton, IN rebuilt as sources refresh.
| Rank | Hamilton, IN ZIP | Score |
|---|---|---|
| 1 | 46236 | 35/100 |
| 2 | 46240 | 35/100 |
| 3 | 46250 | 35/100 |
| 4 | 46260 | 35/100 |
| 5 | 46268 | 35/100 |
| 6 | 46256 | 34/100 |
| 7 | 46030 | 28/100 |
| 8 | 46032 | 28/100 |
| 9 | 46033 | 28/100 |
| 10 | 46034 | 28/100 |
| 11 | 46037 | 28/100 |
| 12 | 46038 | 28/100 |
Most distressed Hamilton, IN ZIPs (0-100, 2026)
Mortgage delinquency in Hamilton, IN
0.4% of Hamilton, IN mortgages were ninety-plus days late (Hamilton, IN, December 2025); Hamilton, IN thirty-to-eighty-nine days late: 1.1%; Hamilton, IN twelve-month change -0.1%; Hamilton, IN peak since 2008: 2.6% (February 2010); Indiana overall 1.0%. Hamilton, IN ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.3 (Hamilton, IN), Mar 25 0.4, Apr 25 0.5, May 25 0.6 (Hamilton, IN), Jun 25 0.6, Jul 25 0.4, Aug 25 0.4 (Hamilton, IN), Sep 25 0.4, Oct 25 0.3, Nov 25 0.3 (Hamilton, IN), Dec 25 0.4.
Opportunity index: Hamilton, IN
Hamilton, IN index 27.5, Hamilton, IN phase weak; Hamilton, IN primary driver bank institutional, Hamilton, IN second driver listings discount. Hamilton, IN components: property stress 15.0, foreclosure pressure 13.0, listing discounts 41.2, bank stress 58.3, insurance 0.0; Hamilton, IN pulse 27.0; Hamilton, IN capital opportunity 28.2; Hamilton, IN seven-day change -0.2%.
ZIP market phases inside Hamilton, IN
23 Hamilton, IN ZIPs carry a price-cycle phase; Hamilton, IN ZIPs by phase (Hamilton, IN), deepest drawdown first: peak, +3.1% YoY (Hamilton, IN): 46030, 46031, 46032, 46033, Hamilton, IN 46034, 46037, 46038, 46040, Hamilton, IN 46055, 46060, 46062, 46074, Hamilton, IN 46077, 46236; peak, +4.0% YoY (Hamilton, IN): 46050; peak, +3.2% YoY (Hamilton, IN): 46069.
Residential listings by Hamilton, IN ZIP
Hamilton, IN ZIPs with the most tracked Hamilton, IN residential listings: 46074 79 listings, 13 candidates, bank pressure 64; 46032 40 listings, 3 candidates, bank pressure 64; 46037 34 listings, 9 candidates, bank pressure 64; 46038 31 listings, 3 candidates, bank pressure 64 (Hamilton, IN); 46033 24 listings, 1 candidates, bank pressure 64; 46062 23 listings, 3 candidates, bank pressure 64; 46060 17 listings, 4 candidates, bank pressure 63; 46280 13 listings, 1 candidates, bank pressure 64. Hamilton, IN totals: 273 listings; Hamilton, IN candidates 42; active ZIPs 12.
HUD assisted housing in Hamilton, IN
22 assisted properties with 3,770 units sit in Hamilton, IN; largest Hamilton, IN properties: Woods Of Britton (Fishers) 521 units; Lions Creek Apartments (Noblesville) 502 units; Casey Acres Apartments (Westfield) 252 units in Hamilton, IN; Cumberland Crossing Apartments (Fishers) 232 units; Greystone Apartments Phase Ii (Noblesville) 216 units; Sophia Square (Carmel) 214 units.
Lenders with branches in Hamilton, IN
Hamilton, IN lenders by branch count: National Bank Of Inpolis (Hamilton, IN): stress 71, 6 branches low in Hamilton, IN; First Merchants Bank (Hamilton, IN): stress 65, 6 branches low in Hamilton, IN; Star Financial Bank (Hamilton, IN): stress 73, 5 branches low in Hamilton, IN; Lake City Bank (Hamilton, IN): stress 56, 5 branches low in Hamilton, IN; Farmers Bank Frankfort In (Hamilton, IN): stress 86, 4 branches low in Hamilton, IN; Community First Bank Of In (Hamilton, IN): stress 66, 4 branches low in Hamilton, IN; Centier Bank (Hamilton, IN): stress 60, 3 branches low in Hamilton, IN; First Farmers Bank&Trust Co (Hamilton, IN): stress 58, 3 branches low in Hamilton, IN.
Vacancy and permits, Hamilton, IN
7,494 of 144,746 Hamilton, IN housing units are vacant; Hamilton, IN permits, twelve months: 2,328 multifamily units in Hamilton, IN, 3,405 one-to-four unit units.
Work Hamilton, IN at the parcel level
Every Hamilton, IN parcel carries owner and address; every Hamilton, IN parcel carries APN; Hamilton, IN distress scores sit on the Hamilton, IN live board.
Hamilton, IN figures refresh with each source.
Hamilton, IN questions
Most distressed ZIP code in Hamilton County, IN?
ZIP 46236 leads Hamilton, IN at 35/100; next in Hamilton, IN: 46240 at 35/100; the Hamilton, IN average is 28/100.
Where does Hamilton County, IN rank for investment opportunity?
Hamilton, IN is #2,056 among all ranked counties, #63 in Indiana; the Hamilton, IN driver is bank institutional; Hamilton, IN moved up 744 places.
How many mortgages are delinquent in Hamilton County, IN?
0.4% of Hamilton, IN mortgages were ninety-plus days late in December 2025; the Hamilton, IN peak since 2008 was 2.6%.
Which banks lend in Hamilton County, IN?
8 watched lenders hold Hamilton, IN branches; the largest Hamilton, IN footprints are National Bank Of Inpolis (6), First Merchants Bank (6), Star Financial Bank (5).
More on Hamilton, IN
Hamilton County, IN distress report: public-record figures for Hamilton, IN; not legal advice for Hamilton, IN; not tax or investment advice; verify every Hamilton, IN record before acting.