Montgomery County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Indiana? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 47955 at 25/100.
- 16 ZIP codes tracked in Montgomery County, averaging 19/100 distress.
- Montgomery County reads peak — home values up 4.3% year over year.
- Vacancy runs 9.7% across Montgomery County's tracked ZIPs, with a 9.4% poverty rate.
- The typical Montgomery County home is worth about $158,227 against a ~$67,589 median income.
- Lending headwind in Montgomery County sits at 80/100 — 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 | 47955 | 25/100 |
| 2 | 47967 | 25/100 |
| 3 | 47930 | 24/100 |
| 4 | 47981 | 24/100 |
| 5 | 47968 | 21/100 |
| 6 | 46035 | 19/100 |
| 7 | 47989 | 19/100 |
| 8 | 47916 | 18/100 |
| 9 | 47933 | 18/100 |
| 10 | 47940 | 18/100 |
| 11 | 47954 | 18/100 |
| 12 | 47965 | 18/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
The Montgomery County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 19/100 ZIP average. No proprietary or modelled inputs enter the score.
Montgomery County market phase and pricing
The cycle in Montgomery 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 Montgomery County
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Questions about this county
What is the most distressed ZIP code in Montgomery County, IN?
ZIP 47955 leads Montgomery County at 25/100, recomputed monthly from public records.
Which phase does Montgomery County sit in right now?
FHFA price-index movement places Montgomery County in peak; prices are up 4.3% over twelve months.
How is the Montgomery County data sourced?
Every Montgomery County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 16 Montgomery County ZIP codes that it runs on every other U.S. county, so Montgomery County's numbers are directly comparable to any other market.
How much do distress scores vary between Montgomery County ZIP codes?
The county figure is a blend, not a description. Across the Montgomery County ZIPs DLRadar ranks, scores run from 25/100 in 47955 down to 18/100 in 47965, against a Montgomery County average of 19/100. With 7 points between best and worst, county-level targeting in Montgomery County wastes effort.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $158,227 of value against a median household income near $67,589. Vacancy across Montgomery County's tracked ZIPs runs 9.7% and the poverty rate is 9.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montgomery County's foreclosure and tax-lien record and its 80/100 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.