St. Joseph County, IN: Foreclosures, Tax Liens & Distressed Properties

St. Joseph County, IN, Indiana: 25 ZIP codes scored, St. Joseph County, IN averaging 19/100 (low, St. Joseph, IN), from 17 to 24. St. Joseph County, IN is in its expansion phase (St. Joseph, IN confidence 36/100): St. Joseph, IN home prices up 6.1% (St. Joseph, IN) over twelve months. St. Joseph County, IN lender headwind: 26/100.

Highest-scoring St. Joseph County, IN ZIPs: 46550 (24/100), 46563 (21/100), 46573 (21/100), 46530 (19/100), 46536 (19/100), 46544 (19/100). Also scored in St. Joseph County, IN: 46545, 46552, 46554, 46556, 46561, 46574, 46595, 46601, 46613, 46614.

Across St. Joseph County, IN's scored ZIPs: median home value $200,145, household income $69,032, 10.0% vacancy, 14.8% poverty, 67% owner-occupied, median age 38.8.

St. Joseph County, IN insurance distress 27/100 (#1,715 in the US); FEMA hazard 52/100 for St. Joseph, IN; 4 federal disaster declarations in St. Joseph County, IN since 2023 (2 flood); St. Joseph, IN construction distress 1/100.

15 banks with 58 branches lend in St. Joseph County, IN; St. Joseph, IN weighted bank stress 53/100, highest 90/100 in St. Joseph, IN.

St. Joseph County, IN unemployment 4.1%; 884 new housing units permitted in St. Joseph County, IN over twelve months, St. Joseph, IN up 75% from 506; St. Joseph, IN home prices +11.0% a year (St. Joseph, IN) over three years.

118,580 housing units in St. Joseph County, IN; 33,356 St. Joseph, IN renter households; 47% of St. Joseph, IN renters spend 30%+ of income on rent, 24% (St. Joseph, IN) half or more.

St. Joseph County, IN ranks #2,327 nationally on the opportunity index (St. Joseph, IN, among all ranked counties); St. Joseph, IN scores 26.6/100 and St. Joseph, IN sits #71 inside Indiana. St. Joseph, IN is in the weak opportunity phase; St. Joseph, IN's primary driver is bank institutional, St. Joseph, IN second driver vacancy; St. Joseph, IN moved up 642 places. 20 short-sale listings across St. Joseph, IN; 112 days on market observed in St. Joseph, IN; 9.5% vacancy over 25 St. Joseph, IN ZIPs.

0.8% of St. Joseph County, IN mortgages were ninety-plus days late in December 2025; St. Joseph, IN's thirty-to-eighty-nine-day share was 3.0% (CFPB county sample). St. Joseph, IN's ninety-day rate is down 0.3 points on twelve months earlier; the St. Joseph, IN peak since 2008 was 5.0% in November 2009; Indiana overall reads 1.0%.

St. Joseph County, IN has 8 watched banks; 8 St. Joseph, IN banks sit in an elevated band. St. Joseph, IN footprints: 1st Source Bank (23 branches, stress 38) in St. Joseph, IN; Centier Bank (4 branches, stress 60) in St. Joseph, IN; Lake City Bank (4 branches, stress 56) in St. Joseph, IN.

HUD lists 28 assisted multifamily properties in St. Joseph County, IN with 3,396 units; 964 St. Joseph, IN units are assisted, 6 St. Joseph, IN properties under project-based Section 8.

11,328 of the 118,580 housing units in St. Joseph, IN sit vacant. St. Joseph County, IN permitted 489 multifamily units in twelve months; St. Joseph, IN's one-to-four unit structures added 395 units in St. Joseph County, IN.