Elkhart County, IN: Foreclosures, Tax Liens & Distressed Properties

Elkhart County, IN, Indiana: 17 ZIP codes scored, Elkhart County, IN averaging 22/100 (low, Elkhart, IN), from 13 to 25. Elkhart County, IN is in its peak phase (Elkhart, IN confidence 29/100): Elkhart, IN home prices up 5.0% (Elkhart, IN) over twelve months. Elkhart County, IN lender headwind: 31/100.

Highest-scoring Elkhart County, IN ZIPs: 46507 (25/100), 46514 (25/100), 46516 (25/100), 46517 (25/100), 46526 (25/100), 46528 (25/100). Also scored in Elkhart County, IN: 46553, 46567, 46550, 46540, 46542, 46543, 46573, 46530, 46561, 46767.

Across Elkhart County, IN's scored ZIPs: median home value $244,276, household income $76,143, 8.6% vacancy, 8.8% poverty, 80% owner-occupied, median age 34.6.

Elkhart County, IN insurance distress 24/100 (#1,969 in the US); FEMA hazard 0/100 for Elkhart, IN; 2 federal disaster declarations in Elkhart County, IN since 2023; 3 Elkhart, IN NFIP flood claims, $76K paid; Elkhart, IN construction distress 65/100.

16 banks with 51 branches lend in Elkhart County, IN; Elkhart, IN weighted bank stress 55/100, highest 74/100 in Elkhart, IN.

Elkhart County, IN unemployment 3.8% (Elkhart, IN +0.2 pts, six months); 443 new housing units permitted in Elkhart County, IN over twelve months, Elkhart, IN down 22% from 569; Elkhart, IN home prices +8.9% a year (Elkhart, IN) over three years.

80,493 housing units in Elkhart County, IN; 20,634 Elkhart, IN renter households; 46% of Elkhart, IN renters spend 30%+ of income on rent, 23% (Elkhart, IN) half or more.

Elkhart County, IN ranks #2,003 nationally on the opportunity index (Elkhart, IN, among all ranked counties); Elkhart, IN scores 27.7/100 and Elkhart, IN sits #66 inside Indiana. Elkhart, IN is in the weak opportunity phase; Elkhart, IN's primary driver is construction, Elkhart, IN second driver bank institutional; Elkhart, IN moved up 74 places. 15 short-sale listings across Elkhart, IN; 92 days on market observed in Elkhart, IN; 10.3% vacancy over 17 Elkhart, IN ZIPs.

1.1% of Elkhart County, IN mortgages were ninety-plus days late in December 2025; Elkhart, IN's thirty-to-eighty-nine-day share was 3.0% (CFPB county sample). Elkhart, IN's ninety-day rate is down 0.1 points on twelve months earlier; the Elkhart, IN peak since 2008 was 5.6% in October 2009; Indiana overall reads 1.0%.

Elkhart County, IN has 10 watched banks; 10 Elkhart, IN banks sit in an elevated band. Elkhart, IN footprints: Lake City Bank (11 branches, stress 56) in Elkhart, IN; 1st Source Bank (8 branches, stress 38) in Elkhart, IN; First Stb Of Middlebury (5 branches, stress 53) in Elkhart, IN.

HUD lists 16 assisted multifamily properties in Elkhart County, IN with 1,732 units; 572 Elkhart, IN units are assisted, 6 Elkhart, IN properties under project-based Section 8.

8,184 of the 80,493 housing units in Elkhart, IN sit vacant. Elkhart County, IN permitted 71 multifamily units in twelve months; Elkhart, IN's one-to-four unit structures added 372 units in Elkhart County, IN.