St. Joseph County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Joseph County, IN distress report, 2026: 25 ZIPs scored in St. Joseph, IN, St. Joseph, IN average 18/100; the top St. Joseph, IN ZIP is 46550 at 24/100; St. Joseph, IN market phase expansion, St. Joseph, IN prices +6.1% year over year.
- St. Joseph, IN ranks #2,327 nationally (opportunity index); St. Joseph, IN #71 in Indiana; St. Joseph, IN index 26.6.
- St. Joseph, IN ninety-day mortgage delinquency 0.8% in December 2025; St. Joseph, IN twelve-month change -0.3%.
- St. Joseph, IN ZIP phases: 22 expansion, 3 peak.
- St. Joseph, IN residential listings tracked: 63 across 20 ZIPs; St. Joseph, IN candidate listings 26.
- St. Joseph, IN HUD assisted properties: 28 with 3,396 units.
- St. Joseph, IN lenders on watch: 8; largest St. Joseph, IN footprint 1st Source Bank (23 branches).
- St. Joseph, IN most distressed ZIP: 46550 at 24/100.
St. Joseph, IN figures: DLRadar distress index; St. Joseph, IN inputs: CFPB, FHFA, HUD, FDIC; St. Joseph, IN rebuilt as sources refresh.
| Rank | St. Joseph, IN ZIP | Score |
|---|---|---|
| 1 | 46550 | 24/100 |
| 2 | 46573 | 21/100 |
| 3 | 46563 | 20/100 |
| 4 | 46530 | 18/100 |
| 5 | 46536 | 18/100 |
| 6 | 46544 | 18/100 |
| 7 | 46545 | 18/100 |
| 8 | 46552 | 18/100 |
| 9 | 46554 | 18/100 |
| 10 | 46556 | 18/100 |
| 11 | 46561 | 18/100 |
| 12 | 46574 | 18/100 |
Most distressed St. Joseph, IN ZIPs (0-100, 2026)
Mortgage delinquency in St. Joseph, IN
0.8% of St. Joseph, IN mortgages were ninety-plus days late (St. Joseph, IN, December 2025); St. Joseph, IN thirty-to-eighty-nine days late: 3.0%; St. Joseph, IN twelve-month change -0.3%; St. Joseph, IN peak since 2008: 5.0% (November 2009); Indiana overall 1.0%. St. Joseph, IN ninety-day series: Dec 24 1.1, Jan 25 0.8, Feb 25 0.7 (St. Joseph, IN), Mar 25 0.8, Apr 25 0.9, May 25 0.6 (St. Joseph, IN), Jun 25 0.6, Jul 25 0.6, Aug 25 0.6 (St. Joseph, IN), Sep 25 0.7, Oct 25 0.7, Nov 25 0.9 (St. Joseph, IN), Dec 25 0.8.
Opportunity index: St. Joseph, IN
St. Joseph, IN index 26.6, St. Joseph, IN phase weak; St. Joseph, IN primary driver bank institutional, St. Joseph, IN second driver vacancy. St. Joseph, IN components: property stress 14.9, foreclosure pressure 13.2, listing discounts 35.8, bank stress 52.2, insurance 0.0; St. Joseph, IN pulse 25.6; St. Joseph, IN capital opportunity 26.9; St. Joseph, IN seven-day change -0.3%.
ZIP market phases inside St. Joseph, IN
25 St. Joseph, IN ZIPs carry a price-cycle phase; St. Joseph, IN ZIPs by phase (St. Joseph, IN), deepest drawdown first: peak, +5.0% YoY (St. Joseph, IN): 46506; expansion, +6.0% YoY (St. Joseph, IN): 46530, 46536, 46561; expansion, +6.1% YoY (St. Joseph, IN): 46544, 46545, 46556, 46595, St. Joseph, IN 46601, 46613; peak, +4.7% YoY (St. Joseph, IN): 46550; expansion, +6.4% YoY (St. Joseph, IN): 46552; expansion, +6.2% YoY (St. Joseph, IN): 46554; peak, +4.3% YoY (St. Joseph, IN): 46563; expansion, +5.5% YoY (St. Joseph, IN): 46573; expansion, +5.8% YoY (St. Joseph, IN): 46574.
Residential listings by St. Joseph, IN ZIP
St. Joseph, IN ZIPs with the most tracked St. Joseph, IN residential listings: 46628 17 listings, 11 candidates, bank pressure 61; 46613 8 listings, 0 candidates, bank pressure 61; 46614 8 listings, 4 candidates, bank pressure 61; 46530 4 listings, 2 candidates, bank pressure 58 (St. Joseph, IN); 46561 4 listings, 1 candidates, bank pressure 58; 46619 4 listings, 1 candidates, bank pressure 61; 46552 3 listings, 3 candidates, bank pressure 60; 46616 3 listings, 0 candidates, bank pressure 61. St. Joseph, IN totals: 63 listings; St. Joseph, IN candidates 26; active ZIPs 15.
HUD assisted housing in St. Joseph, IN
28 assisted properties with 3,396 units sit in St. Joseph, IN; largest St. Joseph, IN properties: Maple Lane Apartments (South Bend) 395 units; Foundry At Eddy Street (South Bend) 266 units; River Pointe Apartments (Mishawaka) 234 units in St. Joseph, IN; The Mill At Ironworks (Mishawaka) 232 units; Fairington Apartments South Bend (South Bend) 201 units, 201 assisted; Cedar Glen Apartments (South Bend) 179 units.
Lenders with branches in St. Joseph, IN
St. Joseph, IN lenders by branch count: 1st Source Bank (St. Joseph, IN): stress 38, 23 branches low in St. Joseph, IN; Centier Bank (St. Joseph, IN): stress 60, 4 branches low in St. Joseph, IN; Lake City Bank (St. Joseph, IN): stress 56, 4 branches low in St. Joseph, IN; Old National Bank (St. Joseph, IN): stress 58, 3 branches low in St. Joseph, IN; First Federal Savings Bank (St. Joseph, IN): stress 74, 1 branch low in St. Joseph, IN; First Merchants Bank (St. Joseph, IN): stress 65, 1 branch low in St. Joseph, IN; First Stb Of Middlebury (St. Joseph, IN): stress 53, 1 branch low in St. Joseph, IN; Horizon Bank (St. Joseph, IN): stress 48, 1 branch low in St. Joseph, IN.
Vacancy and permits, St. Joseph, IN
11,328 of 118,580 St. Joseph, IN housing units are vacant; St. Joseph, IN permits, twelve months: 489 multifamily units in St. Joseph, IN, 395 one-to-four unit units.
Work St. Joseph, IN at the parcel level
Every St. Joseph, IN parcel carries owner and address; every St. Joseph, IN parcel carries APN; St. Joseph, IN distress scores sit on the St. Joseph, IN live board.
St. Joseph, IN figures refresh with each source.
St. Joseph, IN questions
Most distressed ZIP code in St. Joseph County, IN?
ZIP 46550 leads St. Joseph, IN at 24/100; next in St. Joseph, IN: 46573 at 21/100; the St. Joseph, IN average is 18/100.
Where does St. Joseph County, IN rank for investment opportunity?
St. Joseph, IN is #2,327 among all ranked counties, #71 in Indiana; the St. Joseph, IN driver is bank institutional; St. Joseph, IN moved up 642 places.
How many mortgages are delinquent in St. Joseph County, IN?
0.8% of St. Joseph, IN mortgages were ninety-plus days late in December 2025; the St. Joseph, IN peak since 2008 was 5.0%.
Which banks lend in St. Joseph County, IN?
8 watched lenders hold St. Joseph, IN branches; the largest St. Joseph, IN footprints are 1st Source Bank (23), Centier Bank (4), Lake City Bank (4).
More on St. Joseph, IN
St. Joseph County, IN distress report: public-record figures for St. Joseph, IN; not legal advice for St. Joseph, IN; not tax or investment advice; verify every St. Joseph, IN record before acting.