St. Joseph County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Joseph County, Indiana? DLRadar grades every St. Joseph County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 St. Joseph County breakdown.
- St. Joseph County's most distressed ZIP is 46550 at 23/100.
- 25 ZIP codes tracked in St. Joseph County, averaging 21/100 distress.
- St. Joseph County reads expansion — home values up 6.1% year over year.
- Vacancy runs 10% across St. Joseph County's tracked ZIPs, with a 14.8% poverty rate.
- The typical St. Joseph County home is worth about $200,145 against a ~$69,032 median income.
- Lending headwind in St. Joseph County sits at 26/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 46550 | 23/100 |
| 2 | 46573 | 22/100 |
| 3 | 46530 | 21/100 |
| 4 | 46536 | 21/100 |
| 5 | 46544 | 21/100 |
| 6 | 46545 | 21/100 |
| 7 | 46552 | 21/100 |
| 8 | 46554 | 21/100 |
| 9 | 46556 | 21/100 |
| 10 | 46561 | 21/100 |
| 11 | 46595 | 21/100 |
| 12 | 46601 | 21/100 |
Most distressed ZIP codes in St. Joseph County (composite distress 0-100, 2026)
What is driving St. Joseph County distress
The St. Joseph County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 21/100 ZIP average. No proprietary or modelled inputs enter the score.
St. Joseph County market phase and pricing
DLRadar places St. Joseph County in expansion; prices moved up 6.1% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in St. Joseph County
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Frequently asked
What is the hardest-hit ZIP in St. Joseph County?
ZIP 46550 leads St. Joseph County at 23/100, recomputed monthly from public records.
Where is St. Joseph County in the housing cycle?
The market phase for St. Joseph County is expansion, prices rising 6.1% on the year — derived from the FHFA House Price Index path.
What is this St. Joseph County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 25 St. Joseph County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between St. Joseph County ZIP codes?
County-level numbers smooth away the detail that matters. Across the St. Joseph County ZIPs DLRadar ranks, scores run from 23/100 in 46550 down to 21/100 in 46601, against a St. Joseph County average of 21/100. That 2-point gap is why acquisition targeting in St. Joseph County works at ZIP level rather than county level.
What do St. Joseph County home values and vacancy say about distressed supply?
The typical St. Joseph County home carries about $200,145 of value against a median household income near $69,032. Vacancy across St. Joseph County's tracked ZIPs runs 10% and the poverty rate is 14.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside St. Joseph County's foreclosure and tax-lien record and its 26/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.