Lake County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lake County, IN distress report, 2026: 28 ZIPs scored in Lake, IN, Lake, IN average 33/100; the top Lake, IN ZIP is 46303 at 33/100; Lake, IN market phase peak, Lake, IN prices +4.3% year over year.
- Lake, IN ranks #667 nationally (opportunity index); Lake, IN #13 in Indiana; Lake, IN index 32.5.
- Lake, IN ninety-day mortgage delinquency 1.5% in December 2025; Lake, IN twelve-month change +0.1%.
- Lake, IN ZIP phases: 28 peak.
- Lake, IN residential listings tracked: 320 across 27 ZIPs; Lake, IN candidate listings 50.
- Lake, IN HUD assisted properties: 44 with 4,499 units.
- Lake, IN lenders on watch: 7; largest Lake, IN footprint Centier Bank (24 branches).
- Lake, IN most distressed ZIP: 46303 at 33/100.
Lake, IN figures: DLRadar distress index; Lake, IN inputs: CFPB, FHFA, HUD, FDIC; Lake, IN rebuilt as sources refresh.
| Rank | Lake, IN ZIP | Score |
|---|---|---|
| 1 | 46303 | 33/100 |
| 2 | 46307 | 33/100 |
| 3 | 46311 | 33/100 |
| 4 | 46312 | 33/100 |
| 5 | 46319 | 33/100 |
| 6 | 46320 | 33/100 |
| 7 | 46321 | 33/100 |
| 8 | 46322 | 33/100 |
| 9 | 46323 | 33/100 |
| 10 | 46324 | 33/100 |
| 11 | 46327 | 33/100 |
| 12 | 46356 | 33/100 |
Most distressed Lake, IN ZIPs (0-100, 2026)
Mortgage delinquency in Lake, IN
1.5% of Lake, IN mortgages were ninety-plus days late (Lake, IN, December 2025); Lake, IN thirty-to-eighty-nine days late: 3.2%; Lake, IN twelve-month change +0.1%; Lake, IN peak since 2008: 6.1% (November 2009); Indiana overall 1.0%. Lake, IN ninety-day series: Dec 24 1.4, Jan 25 1.5, Feb 25 1.4 (Lake, IN), Mar 25 1.2, Apr 25 1.2, May 25 1.2 (Lake, IN), Jun 25 1.3, Jul 25 1.2, Aug 25 1.3 (Lake, IN), Sep 25 1.2, Oct 25 1.2, Nov 25 1.4 (Lake, IN), Dec 25 1.5.
Opportunity index: Lake, IN
Lake, IN index 32.5, Lake, IN phase watchlist; Lake, IN primary driver bank institutional, Lake, IN second driver construction. Lake, IN components: property stress 21.9, foreclosure pressure 21.8, listing discounts 38.5, bank stress 58.8, insurance 0.0; Lake, IN pulse 35.4; Lake, IN capital opportunity 28.2; Lake, IN seven-day change +0.2%.
ZIP market phases inside Lake, IN
28 Lake, IN ZIPs carry a price-cycle phase; Lake, IN ZIPs by phase (Lake, IN), deepest drawdown first: peak, +4.3% YoY (Lake, IN): 46303, 46307, 46311, 46312, Lake, IN 46319, 46320, 46321, 46322, Lake, IN 46323, 46324, 46327, 46341, Lake, IN 46342, 46356, 46373, 46375.
Residential listings by Lake, IN ZIP
Lake, IN ZIPs with the most tracked Lake, IN residential listings: 46307 99 listings, 8 candidates, bank pressure 63; 46311 47 listings, 4 candidates, bank pressure 63; 46321 46 listings, 9 candidates, bank pressure 63; 46324 30 listings, 4 candidates, bank pressure 63 (Lake, IN); 46323 24 listings, 2 candidates, bank pressure 63; 46320 14 listings, 6 candidates, bank pressure 63; 46410 8 listings, 2 candidates, bank pressure 63; 46322 6 listings, 0 candidates, bank pressure 63. Lake, IN totals: 320 listings; Lake, IN candidates 50; active ZIPs 20.
HUD assisted housing in Lake, IN
44 assisted properties with 4,499 units sit in Lake, IN; largest Lake, IN properties: Lakeside Gardens (East Chicago) 312 units, 309 assisted; Woodlake Village I (Gary) 264 units, 150 assisted; Oak Knoll Renaissance Apartments (Gary) 256 units, 256 assisted in Lake, IN; Park Shore Commons (Gary) 246 units, 202 assisted; Gary Nsa Iii (Gary) 222 units, 222 assisted; Douglas Pointe I & Ii (Hammond) 220 units.
Lenders with branches in Lake, IN
Lake, IN lenders by branch count: Centier Bank (Lake, IN): stress 60, 24 branches low in Lake, IN; Peoples Bank (Lake, IN): stress 87, 12 branches low in Lake, IN; Old National Bank (Lake, IN): stress 58, 12 branches low in Lake, IN; First Merchants Bank (Lake, IN): stress 65, 8 branches low in Lake, IN; Horizon Bank (Lake, IN): stress 48, 6 branches low in Lake, IN; American Cmty Bank Of In (Lake, IN): stress 71, 5 branches low in Lake, IN; Demotte State Bank (Lake, IN): stress 70, 2 branches low in Lake, IN.
Vacancy and permits, Lake, IN
22,306 of 217,436 Lake, IN housing units are vacant; Lake, IN permits, twelve months: 53 multifamily units in Lake, IN, 1,244 one-to-four unit units.
Work Lake, IN at the parcel level
Every Lake, IN parcel carries owner and address; every Lake, IN parcel carries APN; Lake, IN distress scores sit on the Lake, IN live board.
Lake, IN figures refresh with each source.
Lake, IN questions
Most distressed ZIP code in Lake County, IN?
ZIP 46303 leads Lake, IN at 33/100; next in Lake, IN: 46307 at 33/100; the Lake, IN average is 33/100.
Where does Lake County, IN rank for investment opportunity?
Lake, IN is #667 among all ranked counties, #13 in Indiana; the Lake, IN driver is bank institutional; Lake, IN moved up 346 places.
How many mortgages are delinquent in Lake County, IN?
1.5% of Lake, IN mortgages were ninety-plus days late in December 2025; the Lake, IN peak since 2008 was 6.1%.
Which banks lend in Lake County, IN?
7 watched lenders hold Lake, IN branches; the largest Lake, IN footprints are Centier Bank (24), Peoples Bank (12), Old National Bank (12).
More on Lake, IN
Lake County, IN distress report: public-record figures for Lake, IN; not legal advice for Lake, IN; not tax or investment advice; verify every Lake, IN record before acting.