Spencer County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Spencer County, Indiana? DLRadar grades every Spencer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Spencer County breakdown.
- Spencer County's most distressed ZIP is 47601 at 20/100.
- 16 ZIP codes tracked in Spencer County, averaging 17/100 distress.
- Spencer County reads expansion — home values up 5.1% year over year.
- Vacancy runs 8.9% across Spencer County's tracked ZIPs, with a 6.6% poverty rate.
- The typical Spencer County home is worth about $187,319 against a ~$74,498 median income.
- Lending headwind in Spencer County sits at 30/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 47601 | 20/100 |
| 2 | 47637 | 20/100 |
| 3 | 47577 | 19/100 |
| 4 | 47588 | 19/100 |
| 5 | 47523 | 17/100 |
| 6 | 47537 | 17/100 |
| 7 | 47541 | 17/100 |
| 8 | 47532 | 16/100 |
| 9 | 47531 | 15/100 |
| 10 | 47550 | 15/100 |
| 11 | 47552 | 15/100 |
| 12 | 47579 | 15/100 |
Most distressed ZIP codes in Spencer County (composite distress 0-100, 2026)
What is driving Spencer County distress
DLRadar builds Spencer County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Spencer County market phase and pricing
The cycle in Spencer County is expansion, with values up 5.1% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Spencer County
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Questions and answers
Which ZIP code leads Spencer County on distress?
ZIP 47601 leads Spencer County at 20/100, recomputed monthly from public records.
How would you describe the Spencer County market phase?
Phase for Spencer County: expansion, tracking a 5.1% gain year over year, read off the FHFA index.
Can the Spencer County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 16 Spencer County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Spencer County ZIP codes?
A single county score papers over real variation. Across the Spencer County ZIPs DLRadar ranks, scores run from 20/100 in 47601 down to 15/100 in 47579, against a Spencer County average of 17/100. With 5 points between best and worst, county-level targeting in Spencer County wastes effort.
What do Spencer County home values and vacancy say about distressed supply?
The typical Spencer County home carries about $187,319 of value against a median household income near $74,498. Vacancy across Spencer County's tracked ZIPs runs 8.9% and the poverty rate is 6.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Spencer County's foreclosure and tax-lien filings and its 30/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.