Whitley County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Whitley County, IN distress report, 2026: 10 ZIPs scored in Whitley, IN, Whitley, IN average 16/100; the top Whitley, IN ZIP is 46818 at 28/100; Whitley, IN market phase neutral, Whitley, IN prices +4.2% year over year.
- Whitley, IN ranks #2,586 nationally (opportunity index); Whitley, IN #77 in Indiana; Whitley, IN index 25.5.
- Whitley, IN: no CFPB county sample; Whitley, IN metro area reading 0.9%.
- Whitley, IN ZIP phases: 6 neutral, 4 peak.
- Whitley, IN residential listings tracked: 8 across 4 ZIPs; Whitley, IN candidate listings 4.
- Whitley, IN HUD assisted properties: 3 with 82 units.
- Whitley, IN lenders on watch: 6; largest Whitley, IN footprint Star Financial Bank (3 branches).
- Whitley, IN most distressed ZIP: 46818 at 28/100.
Whitley, IN figures: DLRadar distress index; Whitley, IN inputs: CFPB, FHFA, HUD, FDIC; Whitley, IN rebuilt as sources refresh.
| Rank | Whitley, IN ZIP | Score |
|---|---|---|
| 1 | 46818 | 28/100 |
| 2 | 46814 | 26/100 |
| 3 | 46562 | 20/100 |
| 4 | 46723 | 18/100 |
| 5 | 46783 | 16/100 |
| 6 | 46962 | 16/100 |
| 7 | 46750 | 12/100 |
| 8 | 46764 | 10/100 |
| 9 | 46725 | 9/100 |
| 10 | 46787 | 9/100 |
Most distressed Whitley, IN ZIPs (0-100, 2026)
Mortgage delinquency around Whitley, IN
No CFPB county sample covers Whitley, IN; the metro area reading for Whitley, IN (Fort Wayne, IN): 0.9% ninety-plus; Whitley, IN area thirty-to-eighty-nine 2.1% (December 2025, Whitley, IN); Indiana overall 1.0%.
Opportunity index: Whitley, IN
Whitley, IN index 25.5, Whitley, IN phase weak; Whitley, IN primary driver bank institutional, Whitley, IN second driver vacancy. Whitley, IN components: property stress 7.6, foreclosure pressure 6.3, listing discounts 36.1, bank stress 59.7, insurance 0.0; Whitley, IN pulse 26.5; Whitley, IN capital opportunity 24.1; Whitley, IN seven-day change +0.2%.
ZIP market phases inside Whitley, IN
10 Whitley, IN ZIPs carry a price-cycle phase; Whitley, IN ZIPs by phase (Whitley, IN), deepest drawdown first: peak, +4.3% YoY (Whitley, IN): 46562, 46750, 46962; neutral, +4.2% YoY (Whitley, IN): 46723, 46725, 46764, 46787, Whitley, IN 46814, 46818; peak, +4.2% YoY (Whitley, IN): 46783.
Residential listings by Whitley, IN ZIP
Whitley, IN ZIPs with the most tracked Whitley, IN residential listings: 46725 6 listings, 3 candidates, bank pressure 62; 46723 1 listings, 0 candidates, bank pressure 63; 46787 1 listings, 1 candidates, bank pressure 60; 46764 0 listings, 0 candidates, bank pressure 62 (Whitley, IN). Whitley, IN totals: 8 listings; Whitley, IN candidates 4; active ZIPs 3.
HUD assisted housing in Whitley, IN
3 assisted properties with 82 units sit in Whitley, IN; largest Whitley, IN properties: North Ridge Apartments (Columbia City) 40 units; Blue River Churubusco (Churubusco) 22 units, 22 assisted; Waterfall Building (Columbia City) 20 units, 20 assisted in Whitley, IN.
Lenders with branches in Whitley, IN
Whitley, IN lenders by branch count: Star Financial Bank (Whitley, IN): stress 73, 3 branches low in Whitley, IN; Crossroads Bank (Whitley, IN): stress 73, 2 branches low in Whitley, IN; Farmers&Merchants Bank (Whitley, IN): stress 67, 1 branch low in Whitley, IN; Lake City Bank (Whitley, IN): stress 56, 1 branch low in Whitley, IN; Horizon Bank (Whitley, IN): stress 48, 1 branch low in Whitley, IN; 1st Source Bank (Whitley, IN): stress 38, 1 branch low in Whitley, IN.
Vacancy and permits, Whitley, IN
1,001 of 15,030 Whitley, IN housing units are vacant; Whitley, IN permits, twelve months: 0 multifamily units in Whitley, IN, 89 one-to-four unit units.
Work Whitley, IN at the parcel level
Every Whitley, IN parcel carries owner and address; every Whitley, IN parcel carries APN; Whitley, IN distress scores sit on the Whitley, IN live board.
Whitley, IN figures refresh with each source.
Whitley, IN questions
Most distressed ZIP code in Whitley County, IN?
ZIP 46818 leads Whitley, IN at 28/100; next in Whitley, IN: 46814 at 26/100; the Whitley, IN average is 16/100.
Where does Whitley County, IN rank for investment opportunity?
Whitley, IN is #2,586 among all ranked counties, #77 in Indiana; the Whitley, IN driver is bank institutional; Whitley, IN moved up 326 places.
How many mortgages are delinquent in Whitley County, IN?
Whitley, IN takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Whitley, IN.
Which banks lend in Whitley County, IN?
6 watched lenders hold Whitley, IN branches; the largest Whitley, IN footprints are Star Financial Bank (3), Crossroads Bank (2), Farmers&Merchants Bank (1).
More on Whitley, IN
Whitley County, IN distress report: public-record figures for Whitley, IN; not legal advice for Whitley, IN; not tax or investment advice; verify every Whitley, IN record before acting.