ZIP
46181
IN · County 18081 · pop 5,094 (population)
33.9
Opportunity Index
WATCHLISTNational rank #12253
Why This ZIP
ZIP 46181 ranks #12253 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 33.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46181 — 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 18081 — ZIP 46181 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18081 — ZIP 46181 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18081 — ZIP 46181 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 | 41.6 |
| Property Stress | 11.0 |
| Foreclosure / Delinquency | 10.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 76.9 |
| Construction Pressure | 75.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#12253
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp33.5
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
1.7
Auction / REO
—
Construction Pressure
75.2
FL Deep Bonus
—
Property Stress
11.0
HOA / Federal Liens
—
Listings Discount
41.6
Bank Institutional
76.9
Insurance Distress
0.0
Foreclosure / Delinquency
10.0
Top-Line Metrics
Avg DOM (days)
9.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
1.7%
Bank Score
76.9
Insurance Score
0.0
Listings Discount
41.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46181 | 34.2 | 9.5 | 0.0 | 41.6 |
| County 18081 | 28.2 | 7.6 | 0.0 | 29.7 |
| IN state avg | 31.4 | 14.7 | 0.0 | 33.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 46164 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 49 | 21 |
| 46160 | 38.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 46 | 18 |
| 46124 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 13 |
| 46259 | 35.6 | WATCHLIST | LISTINGS_DISCOUNT | 53 | 16 |
| 46151 | 35.1 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 17 |
| 46184 | 34.2 | WATCHLIST | LISTINGS_DISCOUNT | 54 | 9 |
| 46131 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 9 |
| 46142 | 29.0 | WEAK | BANK_INSTITUTIONAL | 27 | 9 |
| 46106 | 28.9 | WEAK | BANK_INSTITUTIONAL | 24 | 9 |
| 46143 | 27.4 | WEAK | BANK_INSTITUTIONAL | 20 | 9 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/46181
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.