ZIP
46231
IN · County 18063 · pop 10,950 (population)
34.3
Opportunity Index
WATCHLISTNational rank #11251
Why This ZIP
ZIP 46231 ranks #11251 nationally with phase WATCHLIST. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 46.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46231 — 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 18063 — ZIP 46231 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18063 — ZIP 46231 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18063 — ZIP 46231 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 | 48.6 |
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 74.7 |
| Bank Institutional | 30.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#11251
PhaseWATCHLIST
Primary driverLISTINGS_DISCOUNT
Capital opp46.2
Pulse score26.3
Signal Breakdown — 10 Categories
Vacancy
4.0
Auction / REO
—
Construction Pressure
74.7
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
48.6
Bank Institutional
30.5
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
55.3
Price Cut %
5.6%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
4.0%
Bank Score
30.5
Insurance Score
0.0
Listings Discount
48.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46231 | 26.3 | 12.3 | 0.0 | 48.6 |
| County 18063 | 29.6 | 8.3 | 0.0 | 34.8 |
| 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 |
|---|---|---|---|---|---|
| 46278 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 18 |
| 46121 | 37.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 12 |
| 46113 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 17 |
| 46167 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 52 | 10 |
| 46118 | 35.6 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 11 |
| 46147 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 51 | 9 |
| 46234 | 33.8 | WATCHLIST | LISTINGS_DISCOUNT | 45 | 15 |
| 46158 | 33.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 16 |
| 46123 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 10 |
| 46112 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 38 | 10 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/46231
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.