Howard County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Howard County, Indiana? DLRadar grades every Howard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Howard County breakdown.
- Howard County's most distressed ZIP is 46928 at 24/100.
- 12 ZIP codes tracked in Howard County, averaging 17/100 distress.
- Howard County reads expansion — home values up 7.2% year over year.
- Vacancy runs 7% across Howard County's tracked ZIPs, with a 8.3% poverty rate.
- The typical Howard County home is worth about $173,290 against a ~$64,824 median income.
- Lending headwind in Howard County sits at 52/100 — 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 | 46928 | 24/100 |
| 2 | 46919 | 18/100 |
| 3 | 46932 | 17/100 |
| 4 | 46068 | 16/100 |
| 5 | 46076 | 16/100 |
| 6 | 46901 | 16/100 |
| 7 | 46902 | 16/100 |
| 8 | 46936 | 16/100 |
| 9 | 46937 | 16/100 |
| 10 | 46965 | 16/100 |
| 11 | 46979 | 15/100 |
| 12 | 46929 | 14/100 |
Most distressed ZIP codes in Howard County (composite distress 0-100, 2026)
What is driving Howard County distress
DLRadar builds Howard County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Howard County market phase and pricing
Phase for Howard County: expansion (+7.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Howard County
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Common questions
Which part of Howard County, IN scores highest for distress?
ZIP 46928 leads Howard County at 24/100, recomputed monthly from public records.
Where is Howard County in the housing cycle?
Howard County is classified expansion with a 7.2% year-over-year increase, following the FHFA House Price Index.
How is the Howard County data sourced?
Howard County draws on FHFA (expansion 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 12 ZIPs are comparable to anywhere else.
How much do distress scores vary between Howard County ZIP codes?
The county figure is a blend, not a description. Across the Howard County ZIPs DLRadar ranks, scores run from 24/100 in 46928 down to 14/100 in 46929, against a Howard County average of 17/100. A spread of 10 points means Howard County has to be worked ZIP by ZIP.
What do Howard County home values and vacancy say about distressed supply?
The typical Howard County home carries about $173,290 of value against a median household income near $64,824. Vacancy across Howard County's tracked ZIPs runs 7% and the poverty rate is 8.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Howard County's filings and its 52/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.