Putnam County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Putnam County, Indiana? DLRadar grades every Putnam County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Putnam County breakdown.
- Putnam County's most distressed ZIP is 46165 at 29/100.
- 16 ZIP codes tracked in Putnam County, averaging 19/100 distress.
- Putnam County reads peak — home values up 4.3% year over year.
- Vacancy runs 11.4% across Putnam County's tracked ZIPs, with a 10.7% poverty rate.
- The typical Putnam County home is worth about $208,750 against a ~$73,360 median income.
- Lending headwind in Putnam County sits at 93/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 46165 | 29/100 |
| 2 | 47456 | 24/100 |
| 3 | 46121 | 23/100 |
| 4 | 47868 | 23/100 |
| 5 | 47840 | 20/100 |
| 6 | 47872 | 19/100 |
| 7 | 47989 | 19/100 |
| 8 | 46120 | 18/100 |
| 9 | 47954 | 18/100 |
| 10 | 46105 | 16/100 |
| 11 | 46128 | 16/100 |
| 12 | 46135 | 16/100 |
Most distressed ZIP codes in Putnam County (composite distress 0-100, 2026)
What is driving Putnam County distress
Putnam County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 19/100 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.
Putnam County market phase and pricing
The cycle in Putnam 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 Putnam County
Everything summarised here for Putnam County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
No card required · full read access to live data for 60 minutes.
Common questions
What is the most distressed ZIP code in Putnam County, IN?
ZIP 46165 leads Putnam County at 29/100, recomputed monthly from public records.
What market phase is Putnam County in?
Putnam County currently sits in peak, with values up 4.3% year on year, based on FHFA price-index trajectory.
Can the Putnam County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 16 Putnam County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Putnam County ZIP codes?
Averaging the county conceals how uneven it is. Across the Putnam County ZIPs DLRadar ranks, scores run from 29/100 in 46165 down to 16/100 in 46135, against a Putnam County average of 19/100. That 13-point gap is why acquisition targeting in Putnam County works at ZIP level rather than county level.
What do Putnam County home values and vacancy say about distressed supply?
The typical Putnam County home carries about $208,750 of value against a median household income near $73,360. Vacancy across Putnam County's tracked ZIPs runs 11.4% and the poverty rate is 10.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Putnam County's foreclosure and tax-lien filings and its 93/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.