ZIP
46278
IN · County 18097 · pop 8,733 (population)
38.8
Opportunity Index
PEAK_OPPORTUNITYNational rank #3358
Why This ZIP
ZIP 46278 ranks #3358 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 42.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46278 — 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 18097 — ZIP 46278 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18097 — ZIP 46278 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18097 — ZIP 46278 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 | 53.9 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 15.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 71.1 |
| Bank Institutional | 64.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3358
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp42.6
Pulse score36.2
Signal Breakdown — 10 Categories
Vacancy
2.1
Auction / REO
—
Construction Pressure
71.1
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
53.9
Bank Institutional
64.1
Insurance Distress
0.0
Foreclosure / Delinquency
15.0
Top-Line Metrics
Avg DOM (days)
32.3
Price Cut %
5.2%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
2.1%
Bank Score
64.1
Insurance Score
0.0
Listings Discount
53.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46278 | 36.2 | 18.1 | 0.0 | 53.9 |
| County 18097 | 34.3 | 18.7 | 0.0 | 34.5 |
| 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 |
|---|---|---|---|---|---|
| 46218 | 39.7 | PEAK_OPPORTUNITY | VACANCY | 46 | 20 |
| 46239 | 39.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 20 |
| 46222 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 43 | 20 |
| 46235 | 38.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 20 |
| 46221 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 20 |
| 46203 | 38.0 | PEAK_OPPORTUNITY | VACANCY | 42 | 20 |
| 46225 | 37.8 | OVERHEATED | VACANCY | 35 | 20 |
| 46201 | 37.6 | PEAK_OPPORTUNITY | VACANCY | 37 | 20 |
| 46236 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 20 |
| 46113 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 18 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/46278
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.