Hamilton County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Indiana? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 46236 at 35/100.
- 23 ZIP codes tracked in Hamilton County, averaging 26/100 distress.
- Hamilton County reads peak — home values up 3.1% year over year.
- Vacancy runs 6% across Hamilton County's tracked ZIPs, with a 7.5% poverty rate.
- The typical Hamilton County home is worth about $356,504 against a ~$111,315 median income.
- Lending headwind in Hamilton County sits at 51/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 46055 | 25/100 |
| 8 | 46030 | 24/100 |
| 9 | 46032 | 24/100 |
| 10 | 46033 | 24/100 |
| 11 | 46034 | 24/100 |
| 12 | 46037 | 24/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Hamilton County's placement in the national index rests on public filings — a 26/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Hamilton County market phase and pricing
Phase for Hamilton County: peak (+3.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Hamilton County
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Frequently asked questions
Which Hamilton County ZIP scores worst for distress?
ZIP 46236 leads Hamilton County at 35/100, recomputed monthly from public records.
How would you describe the Hamilton County market phase?
Phase for Hamilton County: peak, tracking a 3.1% gain year over year, read off the FHFA index.
Where does the Hamilton County data come from?
Every Hamilton County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 23 Hamilton County ZIP codes that it runs on every other U.S. county, so Hamilton County's numbers are directly comparable to any other market.
How much do distress scores vary between Hamilton County ZIP codes?
One county number flattens a wide range. Across the Hamilton County ZIPs DLRadar ranks, scores run from 35/100 in 46236 down to 24/100 in 46037, against a Hamilton County average of 26/100. Those 11 points separate the ZIPs worth working in Hamilton County from the rest.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $356,504 of value against a median household income near $111,315. Vacancy across Hamilton County's tracked ZIPs runs 6% and the poverty rate is 7.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Hamilton County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.