Madison County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, IN distress report, 2026: 18 ZIPs scored in Madison, IN, Madison, IN average 28/100; the top Madison, IN ZIP is 46012 at 30/100; Madison, IN market phase peak, Madison, IN prices +3.1% year over year.
- Madison, IN ranks #1,214 nationally (opportunity index); Madison, IN #31 in Indiana; Madison, IN index 30.4.
- Madison, IN: no CFPB county sample; Madison, IN metro area reading 0.9%.
- Madison, IN ZIP phases: 18 peak.
- Madison, IN residential listings tracked: 37 across 14 ZIPs; Madison, IN candidate listings 15.
- Madison, IN HUD assisted properties: 10 with 1,090 units.
- Madison, IN lenders on watch: 5; largest Madison, IN footprint Star Financial Bank (5 branches).
- Madison, IN most distressed ZIP: 46012 at 30/100.
Madison, IN figures: DLRadar distress index; Madison, IN inputs: CFPB, FHFA, HUD, FDIC; Madison, IN rebuilt as sources refresh.
| Rank | Madison, IN ZIP | Score |
|---|---|---|
| 1 | 46012 | 30/100 |
| 2 | 46001 | 29/100 |
| 3 | 46011 | 29/100 |
| 4 | 46013 | 29/100 |
| 5 | 46016 | 29/100 |
| 6 | 46017 | 29/100 |
| 7 | 46044 | 29/100 |
| 8 | 46048 | 29/100 |
| 9 | 46051 | 29/100 |
| 10 | 46056 | 29/100 |
| 11 | 46063 | 29/100 |
| 12 | 46064 | 29/100 |
Most distressed Madison, IN ZIPs (0-100, 2026)
Mortgage delinquency around Madison, IN
No CFPB county sample covers Madison, IN; the metro area reading for Madison, IN (Indianapolis-Carmel-Greenwood, IN): 0.9% ninety-plus; Madison, IN area thirty-to-eighty-nine 2.3% (December 2025, Madison, IN); Indiana overall 1.0%.
Opportunity index: Madison, IN
Madison, IN index 30.4, Madison, IN phase watchlist; Madison, IN primary driver bank institutional, Madison, IN second driver vacancy. Madison, IN components: property stress 19.7, foreclosure pressure 18.5, listing discounts 36.9, bank stress 53.6, insurance 0.0; Madison, IN pulse 32.0; Madison, IN capital opportunity 28.0; Madison, IN seven-day change +0.2%.
ZIP market phases inside Madison, IN
18 Madison, IN ZIPs carry a price-cycle phase; Madison, IN ZIPs by phase (Madison, IN), deepest drawdown first: peak, +3.5% YoY (Madison, IN): 46001, 46017; peak, +3.1% YoY (Madison, IN): 46011, 46013, 46016, 46040, Madison, IN 46044, 46048, 46051, 46060, Madison, IN 46063, 46064; peak, +4.3% YoY (Madison, IN): 46012; peak, +3.2% YoY (Madison, IN): 46036, 46056; peak, +3.4% YoY (Madison, IN): 46070.
Residential listings by Madison, IN ZIP
Madison, IN ZIPs with the most tracked Madison, IN residential listings: 46013 10 listings, 6 candidates, bank pressure 63; 46016 7 listings, 4 candidates, bank pressure 63; 46012 6 listings, 2 candidates, bank pressure 63; 46064 5 listings, 0 candidates, bank pressure 63 (Madison, IN); 46011 4 listings, 1 candidates, bank pressure 63; 46001 2 listings, 2 candidates, bank pressure 63; 46036 2 listings, 0 candidates, bank pressure 63; 46017 1 listings, 0 candidates, bank pressure 63. Madison, IN totals: 37 listings; Madison, IN candidates 15; active ZIPs 8.
HUD assisted housing in Madison, IN
10 assisted properties with 1,090 units sit in Madison, IN; largest Madison, IN properties: The Towers (Anderson) 307 units, 305 assisted; Applecreek Commons (Anderson) 194 units; Cambridge Square Anderson (Anderson) 150 units, 150 assisted in Madison, IN; The Cottages Of Anderson (Anderson) 120 units; Longfellow Plaza (Anderson) 100 units, 100 assisted; Sun Valley Townhomes (Anderson) 80 units.
Lenders with branches in Madison, IN
Madison, IN lenders by branch count: Star Financial Bank (Madison, IN): stress 73, 5 branches low in Madison, IN; First Merchants Bank (Madison, IN): stress 65, 4 branches low in Madison, IN; Old National Bank (Madison, IN): stress 58, 2 branches low in Madison, IN; Citizens Stb New Castle (Madison, IN): stress 69, 1 branch low in Madison, IN; First Farmers Bank&Trust Co (Madison, IN): stress 58, 1 branch low in Madison, IN.
Vacancy and permits, Madison, IN
5,872 of 59,301 Madison, IN housing units are vacant; Madison, IN permits, twelve months: 0 multifamily units in Madison, IN, 221 one-to-four unit units.
Work Madison, IN at the parcel level
Every Madison, IN parcel carries owner and address; every Madison, IN parcel carries APN; Madison, IN distress scores sit on the Madison, IN live board.
Madison, IN figures refresh with each source.
Madison, IN questions
Most distressed ZIP code in Madison County, IN?
ZIP 46012 leads Madison, IN at 30/100; next in Madison, IN: 46001 at 29/100; the Madison, IN average is 28/100.
Where does Madison County, IN rank for investment opportunity?
Madison, IN is #1,214 among all ranked counties, #31 in Indiana; the Madison, IN driver is bank institutional; Madison, IN moved up 548 places.
How many mortgages are delinquent in Madison County, IN?
Madison, IN takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Madison, IN.
Which banks lend in Madison County, IN?
5 watched lenders hold Madison, IN branches; the largest Madison, IN footprints are Star Financial Bank (5), First Merchants Bank (4), Old National Bank (2).
More on Madison, IN
Madison County, IN distress report: public-record figures for Madison, IN; not legal advice for Madison, IN; not tax or investment advice; verify every Madison, IN record before acting.