Jay County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jay County, Indiana? DLRadar grades every Jay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Jay County breakdown.
- Jay County's most distressed ZIP is 47320 at 33/100.
- 9 ZIP codes tracked in Jay County, averaging 18/100 distress.
- Jay County reads expansion — home values up 5.1% year over year.
- Vacancy runs 9.3% across Jay County's tracked ZIPs, with a 16.6% poverty rate.
- The typical Jay County home is worth about $115,489 against a ~$55,085 median income.
- Lending headwind in Jay County sits at 34/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 47320 | 33/100 |
| 2 | 47336 | 22/100 |
| 3 | 47390 | 21/100 |
| 4 | 47380 | 20/100 |
| 5 | 47326 | 14/100 |
| 6 | 47373 | 14/100 |
| 7 | 47369 | 13/100 |
| 8 | 47371 | 13/100 |
| 9 | 47381 | 13/100 |
Most distressed ZIP codes in Jay County (composite distress 0-100, 2026)
What is driving Jay County distress
DLRadar builds Jay County's distress picture only from records anyone can pull; its ZIPs average 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Jay County market phase and pricing
DLRadar places Jay County in expansion; prices moved up 5.1% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Frequently asked questions
Which Jay County ZIP scores worst for distress?
ZIP 47320 leads Jay County at 33/100, recomputed monthly from public records.
Is Jay County expanding or contracting?
FHFA price-index movement places Jay County in expansion; prices are up 5.1% over twelve months.
What are the sources behind these Jay County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 9 Jay County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Jay County ZIP codes?
One county number flattens a wide range. Across the Jay County ZIPs DLRadar ranks, scores run from 33/100 in 47320 down to 13/100 in 47381, against a Jay County average of 18/100. Because the gap runs to 20 points, Jay County rewards ZIP-level precision.
What do Jay County home values and vacancy say about distressed supply?
The typical Jay County home carries about $115,489 of value against a median household income near $55,085. Vacancy across Jay County's tracked ZIPs runs 9.3% and the poverty rate is 16.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Jay County's foreclosure and tax-lien filings and its 34/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.