Howard County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Howard County, IN distress report, 2026: 12 ZIPs scored in Howard, IN, Howard, IN average 18/100; the top Howard, IN ZIP is 46928 at 28/100; Howard, IN market phase expansion, Howard, IN prices +7.2% year over year.
- Howard, IN ranks #1,932 nationally (opportunity index); Howard, IN #58 in Indiana; Howard, IN index 27.9.
- Howard, IN: no CFPB county sample; Howard, IN non-metro area reading 1.0%.
- Howard, IN ZIP phases: 6 peak, 6 expansion.
- Howard, IN residential listings tracked: 17 across 6 ZIPs; Howard, IN candidate listings 9.
- Howard, IN HUD assisted properties: 11 with 1,263 units.
- Howard, IN lenders on watch: 5; largest Howard, IN footprint First Farmers Bank&Trust Co (6 branches).
- Howard, IN most distressed ZIP: 46928 at 28/100.
Howard, IN figures: DLRadar distress index; Howard, IN inputs: CFPB, FHFA, HUD, FDIC; Howard, IN rebuilt as sources refresh.
| Rank | Howard, IN ZIP | Score |
|---|---|---|
| 1 | 46928 | 28/100 |
| 2 | 46076 | 22/100 |
| 3 | 46068 | 21/100 |
| 4 | 46919 | 20/100 |
| 5 | 46932 | 19/100 |
| 6 | 46901 | 16/100 |
| 7 | 46902 | 16/100 |
| 8 | 46936 | 16/100 |
| 9 | 46937 | 16/100 |
| 10 | 46965 | 16/100 |
| 11 | 46979 | 16/100 |
| 12 | 46929 | 14/100 |
Most distressed Howard, IN ZIPs (0-100, 2026)
Mortgage delinquency around Howard, IN
No CFPB county sample covers Howard, IN; the non-metro area reading for Howard, IN: 1.0% ninety-plus; Howard, IN area thirty-to-eighty-nine 3.1% (December 2025, Howard, IN); Indiana overall 1.0%.
Opportunity index: Howard, IN
Howard, IN index 27.9, Howard, IN phase early_signal; Howard, IN primary driver bank institutional, Howard, IN second driver vacancy. Howard, IN components: property stress 18.0, foreclosure pressure 15.9, listing discounts 35.0, bank stress 63.1, insurance 0.0; Howard, IN pulse 29.8; Howard, IN capital opportunity 25.0; Howard, IN seven-day change -0.2%.
ZIP market phases inside Howard, IN
12 Howard, IN ZIPs carry a price-cycle phase; Howard, IN ZIPs by phase (Howard, IN), deepest drawdown first: peak, +3.2% YoY (Howard, IN): 46068, 46076; expansion, +6.7% YoY (Howard, IN): 46901; expansion, +7.1% YoY (Howard, IN): 46902; peak, +4.7% YoY (Howard, IN): 46919; peak, +4.3% YoY (Howard, IN): 46928; peak, +3.8% YoY (Howard, IN): 46929; peak, +4.5% YoY (Howard, IN): 46932; expansion, +7.2% YoY (Howard, IN): 46936, 46937, 46965; expansion, +6.8% YoY (Howard, IN): 46979.
Residential listings by Howard, IN ZIP
Howard, IN ZIPs with the most tracked Howard, IN residential listings: 46901 10 listings, 5 candidates, bank pressure 68; 46902 5 listings, 4 candidates, bank pressure 67; 46936 2 listings, 0 candidates, bank pressure 65; 46937 0 listings, 0 candidates, bank pressure 65 (Howard, IN); 46965 0 listings, 0 candidates, bank pressure 65; 46979 0 listings, 0 candidates, bank pressure 66. Howard, IN totals: 17 listings; Howard, IN candidates 9; active ZIPs 3.
HUD assisted housing in Howard, IN
11 assisted properties with 1,263 units sit in Howard, IN; largest Howard, IN properties: Bradford Run (Kokomo) 292 units; Lincolnwood Apartments I (Kokomo) 205 units, 44 assisted; Ashbury Apartments (Kokomo) 160 units in Howard, IN; Kokomo Manor (Kokomo) 130 units, 129 assisted; Briarwick Apartments (Kokomo) 128 units, 128 assisted; Fox Acres Apartments (Kokomo) 120 units, 25 assisted.
Lenders with branches in Howard, IN
Howard, IN lenders by branch count: First Farmers Bank&Trust Co (Howard, IN): stress 58, 6 branches low in Howard, IN; Community First Bank Of In (Howard, IN): stress 66, 3 branches low in Howard, IN; Security Fsb (Howard, IN): stress 75, 2 branches low in Howard, IN; Star Financial Bank (Howard, IN): stress 73, 2 branches low in Howard, IN; Horizon Bank (Howard, IN): stress 48, 1 branch low in Howard, IN.
Vacancy and permits, Howard, IN
4,283 of 39,876 Howard, IN housing units are vacant; Howard, IN permits, twelve months: 146 multifamily units in Howard, IN, 88 one-to-four unit units.
Work Howard, IN at the parcel level
Every Howard, IN parcel carries owner and address; every Howard, IN parcel carries APN; Howard, IN distress scores sit on the Howard, IN live board.
Howard, IN figures refresh with each source.
Howard, IN questions
Most distressed ZIP code in Howard County, IN?
ZIP 46928 leads Howard, IN at 28/100; next in Howard, IN: 46076 at 22/100; the Howard, IN average is 18/100.
Where does Howard County, IN rank for investment opportunity?
Howard, IN is #1,932 among all ranked counties, #58 in Indiana; the Howard, IN driver is bank institutional; Howard, IN moved up 424 places.
How many mortgages are delinquent in Howard County, IN?
Howard, IN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Howard, IN.
Which banks lend in Howard County, IN?
5 watched lenders hold Howard, IN branches; the largest Howard, IN footprints are First Farmers Bank&Trust Co (6), Community First Bank Of In (3), Security Fsb (2).
More on Howard, IN
Howard County, IN distress report: public-record figures for Howard, IN; not legal advice for Howard, IN; not tax or investment advice; verify every Howard, IN record before acting.