Lake County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Indiana? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 46303 at 33/100.
- 28 ZIP codes tracked in Lake County, averaging 33/100 distress.
- Lake County reads peak — home values up 4.3% year over year.
- Vacancy runs 12.1% across Lake County's tracked ZIPs, with a 16.8% poverty rate.
- The typical Lake County home is worth about $196,867 against a ~$73,677 median income.
- Lending headwind in Lake County sits at 54/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 46303 | 33/100 |
| 2 | 46311 | 33/100 |
| 3 | 46312 | 33/100 |
| 4 | 46319 | 33/100 |
| 5 | 46320 | 33/100 |
| 6 | 46321 | 33/100 |
| 7 | 46322 | 33/100 |
| 8 | 46323 | 33/100 |
| 9 | 46324 | 33/100 |
| 10 | 46327 | 33/100 |
| 11 | 46356 | 33/100 |
| 12 | 46373 | 33/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 33/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Lake County market phase and pricing
The cycle in Lake County is peak, with values up 4.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Lake County
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Questions about this county
Which ZIP code leads Lake County on distress?
ZIP 46303 leads Lake County at 33/100, recomputed monthly from public records.
How would you describe the Lake County market phase?
Lake County reads peak, with home prices up 4.3% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Lake County data sourced?
Lake County draws on FHFA (peak 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 28 ZIPs are comparable to anywhere else.
How much do distress scores vary between Lake County ZIP codes?
A county average hides the spread. Across the Lake County ZIPs DLRadar ranks, scores run from 33/100 in 46303 down to 33/100 in 46373, against a Lake County average of 33/100. A spread of 0 points means Lake County has to be worked ZIP by ZIP.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $196,867 of value against a median household income near $73,677. Vacancy across Lake County's tracked ZIPs runs 12.1% and the poverty rate is 16.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Lake County's foreclosure and tax-lien record and its 54/100 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.