Jay County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Jay County, IN distress report, 2026: 9 ZIPs scored in Jay, IN, Jay, IN average 18/100; the top Jay, IN ZIP is 47320 at 35/100; Jay, IN market phase expansion, Jay, IN prices +5.1% year over year.
- Jay, IN ranks #2,984 nationally (opportunity index); Jay, IN #88 in Indiana; Jay, IN index 23.3.
- Jay, IN: no CFPB county sample; Jay, IN non-metro area reading 1.0%.
- Jay, IN ZIP phases: 9 expansion.
- Jay, IN residential listings tracked: 1 across 6 ZIPs; Jay, IN candidate listings 0.
- Jay, IN lenders on watch: 2; largest Jay, IN footprint First Merchants Bank (2 branches).
- Jay, IN most distressed ZIP: 47320 at 35/100.
Jay, IN figures: DLRadar distress index; Jay, IN inputs: CFPB, FHFA, HUD, FDIC; Jay, IN rebuilt as sources refresh.
| Rank | Jay, IN ZIP | Score |
|---|---|---|
| 1 | 47320 | 35/100 |
| 2 | 47336 | 23/100 |
| 3 | 47390 | 21/100 |
| 4 | 47380 | 20/100 |
| 5 | 47373 | 14/100 |
| 6 | 47326 | 13/100 |
| 7 | 47369 | 13/100 |
| 8 | 47371 | 13/100 |
| 9 | 47381 | 13/100 |
Most distressed Jay, IN ZIPs (0-100, 2026)
Mortgage delinquency around Jay, IN
No CFPB county sample covers Jay, IN; the non-metro area reading for Jay, IN: 1.0% ninety-plus; Jay, IN area thirty-to-eighty-nine 3.1% (December 2025, Jay, IN); Indiana overall 1.0%.
Opportunity index: Jay, IN
Jay, IN index 23.3, Jay, IN phase weak; Jay, IN primary driver vacancy, Jay, IN second driver bank institutional. Jay, IN components: property stress 19.0, foreclosure pressure 18.2, listing discounts 0.9, bank stress 46.9, insurance 0.0; Jay, IN pulse 29.0; Jay, IN capital opportunity 14.8; Jay, IN seven-day change +0.7%.
ZIP market phases inside Jay, IN
9 Jay, IN ZIPs carry a price-cycle phase; Jay, IN ZIPs by phase (Jay, IN), deepest drawdown first: expansion, +13.6% YoY (Jay, IN): 47320; expansion, +5.1% YoY (Jay, IN): 47326, 47369, 47371, 47373, Jay, IN 47380, 47381, 47390; expansion, +7.8% YoY (Jay, IN): 47336.
Residential listings by Jay, IN ZIP
Jay, IN ZIPs with the most tracked Jay, IN residential listings: 47371 1 listings, 0 candidates, bank pressure 58; 47326 0 listings, 0 candidates, bank pressure 63; 47336 0 listings, 0 candidates, bank pressure 60; 47369 0 listings, 0 candidates, bank pressure 58 (Jay, IN); 47373 0 listings, 0 candidates, bank pressure 58; 47381 0 listings, 0 candidates, bank pressure 58. Jay, IN totals: 1 listings; Jay, IN candidates 0; active ZIPs 1.
Lenders with branches in Jay, IN
Jay, IN lenders by branch count: First Merchants Bank (Jay, IN): stress 65, 2 branches low in Jay, IN; First Bank Of Berne (Jay, IN): stress 60, 1 branch low in Jay, IN.
Vacancy and permits, Jay, IN
1,097 of 8,904 Jay, IN housing units are vacant; Jay, IN permits, twelve months: 0 multifamily units in Jay, IN, 21 one-to-four unit units.
Work Jay, IN at the parcel level
Every Jay, IN parcel carries owner and address; every Jay, IN parcel carries APN; Jay, IN distress scores sit on the Jay, IN live board.
Jay, IN figures refresh with each source.
Jay, IN questions
Most distressed ZIP code in Jay County, IN?
ZIP 47320 leads Jay, IN at 35/100; next in Jay, IN: 47336 at 23/100; the Jay, IN average is 18/100.
Where does Jay County, IN rank for investment opportunity?
Jay, IN is #2,984 among all ranked counties, #88 in Indiana; the Jay, IN driver is vacancy; Jay, IN moved down 408 places.
How many mortgages are delinquent in Jay County, IN?
Jay, IN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Jay, IN.
Which banks lend in Jay County, IN?
2 watched lenders hold Jay, IN branches; the largest Jay, IN footprints are First Merchants Bank (2), First Bank Of Berne (1).
More on Jay, IN
Jay County, IN distress report: public-record figures for Jay, IN; not legal advice for Jay, IN; not tax or investment advice; verify every Jay, IN record before acting.