ZIP
46140
IN · County 18059 · pop 42,927 (population)
32.3
Opportunity Index
EARLY_SIGNALNational rank #16370
Why This ZIP
ZIP 46140 ranks #16370 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46140 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 18059 — ZIP 46140 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18059 — ZIP 46140 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18059 — ZIP 46140 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Listings Discount | 38.8 |
| Property Stress | 13.0 |
| Foreclosure / Delinquency | 4.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 61.1 |
| Bank Institutional | 58.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16370
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.5
Pulse score29.5
Signal Breakdown — 10 Categories
Vacancy
3.4
Auction / REO
—
Construction Pressure
61.1
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
38.8
Bank Institutional
58.5
Insurance Distress
0.0
Foreclosure / Delinquency
4.0
Top-Line Metrics
Avg DOM (days)
146.2
Price Cut %
1.8%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
3.4%
Bank Score
58.5
Insurance Score
0.0
Listings Discount
38.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46140 | 29.5 | 10.3 | 0.0 | 38.8 |
| County 18059 | 29.3 | 11.3 | 0.0 | 36.6 |
| IN state avg | 31.8 | 15.8 | 0.0 | 33.3 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 46239 | 39.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 20 |
| 46064 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 20 |
| 46236 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 20 |
| 46229 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 19 |
| 46055 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 13 |
| 46040 | 32.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 43 | 16 |
| 47384 | 30.9 | EARLY_SIGNAL | VACANCY | — | 22 |
| 46115 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 46056 | 30.1 | WEAK | VACANCY | — | 20 |
| 46161 | 29.4 | WEAK | VACANCY | — | 15 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/46140
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.