Spencer County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Spencer County, IN distress report, 2026: 16 ZIPs scored in Spencer, IN, Spencer, IN average 18/100; the top Spencer, IN ZIP is 47601 at 25/100; Spencer, IN market phase expansion, Spencer, IN prices +5.1% year over year.
- Spencer, IN ranks #2,602 nationally (opportunity index); Spencer, IN #79 in Indiana; Spencer, IN index 25.4.
- Spencer, IN: no CFPB county sample; Spencer, IN non-metro area reading 1.0%.
- Spencer, IN ZIP phases: 10 expansion, 6 peak.
- Spencer, IN residential listings tracked: 23 across 11 ZIPs; Spencer, IN candidate listings 19.
- Spencer, IN lenders on watch: 4; largest Spencer, IN footprint Spencer County Bank (5 branches).
- Spencer, IN most distressed ZIP: 47601 at 25/100.
Spencer, IN figures: DLRadar distress index; Spencer, IN inputs: CFPB, FHFA, HUD, FDIC; Spencer, IN rebuilt as sources refresh.
| Rank | Spencer, IN ZIP | Score |
|---|---|---|
| 1 | 47601 | 25/100 |
| 2 | 47637 | 25/100 |
| 3 | 47523 | 21/100 |
| 4 | 47537 | 20/100 |
| 5 | 47541 | 18/100 |
| 6 | 47577 | 18/100 |
| 7 | 47588 | 18/100 |
| 8 | 47532 | 16/100 |
| 9 | 47531 | 15/100 |
| 10 | 47550 | 15/100 |
| 11 | 47552 | 15/100 |
| 12 | 47579 | 15/100 |
Most distressed Spencer, IN ZIPs (0-100, 2026)
Mortgage delinquency around Spencer, IN
No CFPB county sample covers Spencer, IN; the non-metro area reading for Spencer, IN: 1.0% ninety-plus; Spencer, IN area thirty-to-eighty-nine 3.1% (December 2025, Spencer, IN); Indiana overall 1.0%.
Opportunity index: Spencer, IN
Spencer, IN index 25.4, Spencer, IN phase weak; Spencer, IN primary driver bank institutional, Spencer, IN second driver vacancy. Spencer, IN components: property stress 12.4, foreclosure pressure 11.0, listing discounts 28.5, bank stress 51.6, insurance 0.0; Spencer, IN pulse 26.6; Spencer, IN capital opportunity 23.6; Spencer, IN seven-day change +0.1%.
ZIP market phases inside Spencer, IN
16 Spencer, IN ZIPs carry a price-cycle phase; Spencer, IN ZIPs by phase (Spencer, IN), deepest drawdown first: peak, +3.2% YoY (Spencer, IN): 47523; expansion, +5.1% YoY (Spencer, IN): 47531, 47550, 47552, 47577, Spencer, IN 47579, 47588, 47611, 47615, Spencer, IN 47634, 47635; peak, +4.6% YoY (Spencer, IN): 47532; peak, +3.6% YoY (Spencer, IN): 47537; peak, +4.0% YoY (Spencer, IN): 47541; peak, +1.9% YoY (Spencer, IN): 47601; peak, +2.0% YoY (Spencer, IN): 47637.
Residential listings by Spencer, IN ZIP
Spencer, IN ZIPs with the most tracked Spencer, IN residential listings: 47579 6 listings, 6 candidates, bank pressure 50; 47634 5 listings, 3 candidates, bank pressure 50; 47611 4 listings, 3 candidates, bank pressure 50; 47615 3 listings, 3 candidates, bank pressure 50 (Spencer, IN); 47635 3 listings, 2 candidates, bank pressure 50; 47531 2 listings, 2 candidates, bank pressure 50; 47537 0 listings, 0 candidates, bank pressure 64; 47550 0 listings, 0 candidates, bank pressure 50. Spencer, IN totals: 23 listings; Spencer, IN candidates 19; active ZIPs 6.
Lenders with branches in Spencer, IN
Spencer, IN lenders by branch count: Spencer County Bank (Spencer, IN): stress 60, 5 branches low in Spencer, IN; Freedom Bank (Spencer, IN): stress 39, 2 branches low in Spencer, IN; Old National Bank (Spencer, IN): stress 58, 1 branch low in Spencer, IN; German American Bank (Spencer, IN): stress 42, 1 branch low in Spencer, IN.
Vacancy and permits, Spencer, IN
649 of 8,727 Spencer, IN housing units are vacant; Spencer, IN permits, twelve months: 0 multifamily units in Spencer, IN, 86 one-to-four unit units.
Work Spencer, IN at the parcel level
Every Spencer, IN parcel carries owner and address; every Spencer, IN parcel carries APN; Spencer, IN distress scores sit on the Spencer, IN live board.
Spencer, IN figures refresh with each source.
Spencer, IN questions
Most distressed ZIP code in Spencer County, IN?
ZIP 47601 leads Spencer, IN at 25/100; next in Spencer, IN: 47637 at 25/100; the Spencer, IN average is 18/100.
Where does Spencer County, IN rank for investment opportunity?
Spencer, IN is #2,602 among all ranked counties, #79 in Indiana; the Spencer, IN driver is bank institutional; Spencer, IN moved up 300 places.
How many mortgages are delinquent in Spencer County, IN?
Spencer, IN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Spencer, IN.
Which banks lend in Spencer County, IN?
4 watched lenders hold Spencer, IN branches; the largest Spencer, IN footprints are Spencer County Bank (5), Freedom Bank (2), Old National Bank (1).
More on Spencer, IN
Spencer County, IN distress report: public-record figures for Spencer, IN; not legal advice for Spencer, IN; not tax or investment advice; verify every Spencer, IN record before acting.