Steuben County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Steuben County, Indiana? DLRadar grades every Steuben County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Steuben County breakdown.
- Steuben County's most distressed ZIP is 46705 at 15/100.
- 9 ZIP codes tracked in Steuben County, averaging 13/100 distress.
- Steuben County reads peak — home values up 4.3% year over year.
- Vacancy runs 21.9% across Steuben County's tracked ZIPs, with a 9.7% poverty rate.
- The typical Steuben County home is worth about $196,989 against a ~$71,758 median income.
- Lending headwind in Steuben County sits at 52/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 46705 | 15/100 |
| 2 | 46793 | 15/100 |
| 3 | 46742 | 13/100 |
| 4 | 46747 | 13/100 |
| 5 | 46761 | 13/100 |
| 6 | 46703 | 12/100 |
| 7 | 46737 | 12/100 |
| 8 | 46776 | 12/100 |
| 9 | 46779 | 12/100 |
Most distressed ZIP codes in Steuben County (composite distress 0-100, 2026)
What is driving Steuben County distress
Nothing here is estimated: Steuben County is scored from filings alone, and its ZIPs average 13/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Steuben County market phase and pricing
Phase for Steuben County: peak (+4.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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What people ask
Which part of Steuben County, IN scores highest for distress?
ZIP 46705 leads Steuben County at 15/100, recomputed monthly from public records.
What market phase is Steuben County in?
Phase for Steuben County: peak, tracking a 4.3% gain year over year, read off the FHFA index.
Where does the Steuben County data come from?
Every Steuben County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 9 Steuben County ZIP codes that it runs on every other U.S. county, so Steuben County's numbers are directly comparable to any other market.
How much do distress scores vary between Steuben County ZIP codes?
The county figure is a blend, not a description. Across the Steuben County ZIPs DLRadar ranks, scores run from 15/100 in 46705 down to 12/100 in 46779, against a Steuben County average of 13/100. That 3-point gap is why acquisition targeting in Steuben County works at ZIP level rather than county level.
What do Steuben County home values and vacancy say about distressed supply?
The typical Steuben County home carries about $196,989 of value against a median household income near $71,758. Vacancy across Steuben County's tracked ZIPs runs 21.9% and the poverty rate is 9.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Steuben County's foreclosure and tax-lien record and its 52/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.