Monroe County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Indiana? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 46151 at 30/100.
- 19 ZIP codes tracked in Monroe County, averaging 27/100 distress.
- Monroe County reads contraction — home values down 0.2% year over year, 1.3% off peak.
- Vacancy runs 11.3% across Monroe County's tracked ZIPs, with a 14.5% poverty rate.
- The typical Monroe County home is worth about $237,233 against a ~$66,286 median income.
- Lending headwind in Monroe County sits at 53/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 46151 | 30/100 |
| 2 | 47401 | 28/100 |
| 3 | 47403 | 28/100 |
| 4 | 47404 | 28/100 |
| 5 | 47405 | 28/100 |
| 6 | 47406 | 28/100 |
| 7 | 47408 | 28/100 |
| 8 | 47429 | 28/100 |
| 9 | 47433 | 28/100 |
| 10 | 47434 | 28/100 |
| 11 | 47436 | 28/100 |
| 12 | 47458 | 28/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 27/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Monroe County market phase and pricing
Monroe County reads contraction — home prices fell 0.2% over the last year and are 1.3% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Monroe County
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Questions and answers
Which Monroe County ZIP scores worst for distress?
ZIP 46151 leads Monroe County at 30/100, recomputed monthly from public records.
Is Monroe County expanding or contracting?
The market phase for Monroe County is contraction, prices falling 0.2% on the year — derived from the FHFA House Price Index path.
Can the Monroe County figures be verified?
Every Monroe County figure traces to a public source — FHFA House Price Index for the contraction trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 19 Monroe County ZIP codes that it runs on every other U.S. county, so Monroe County's numbers are directly comparable to any other market.
How much do distress scores vary between Monroe County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Monroe County ZIPs DLRadar ranks, scores run from 30/100 in 46151 down to 28/100 in 47458, against a Monroe County average of 27/100. A spread of 2 points means Monroe County has to be worked ZIP by ZIP.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $237,233 of value against a median household income near $66,286. Vacancy across Monroe County's tracked ZIPs runs 11.3% and the poverty rate is 14.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Monroe County's foreclosure and tax-lien filings and its 53/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.