ZIP
46186
IN · County 18059 · pop 1,762 (population)
27.5
Opportunity Index
WEAKNational rank #28145
Why This ZIP
ZIP 46186 ranks #28145 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.4, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 46186 — 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 46186 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18059 — ZIP 46186 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18059 — ZIP 46186 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
| Property Stress | 13.0 |
| Vacancy | 5.8 |
| Foreclosure / Delinquency | 4.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 61.0 |
| Bank Institutional | 31.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#28145
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp36.4
Pulse score21.5
Signal Breakdown — 10 Categories
Vacancy
5.8
Auction / REO
—
Construction Pressure
61.0
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.0
Insurance Distress
0.0
Foreclosure / Delinquency
4.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
5.8%
Bank Score
31.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46186 | 21.5 | 10.3 | 0.0 | — |
| 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 |
| 46140 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 13 |
| 47384 | 30.9 | EARLY_SIGNAL | VACANCY | — | 22 |
| 46115 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 46056 | 30.1 | WEAK | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/46186
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.