ZIP
46385
IN · County 18127 · pop 41,390 (population)
31.6
Opportunity Index
EARLY_SIGNALNational rank #18267
Why This ZIP
ZIP 46385 ranks #18267 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46385 — 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 18127 — ZIP 46385 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18127 — ZIP 46385 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18127 — ZIP 46385 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 | 36.2 |
| Property Stress | 15.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.8 |
| Construction Pressure | 42.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#18267
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.0
Pulse score28.6
Signal Breakdown — 10 Categories
Vacancy
4.2
Auction / REO
—
Construction Pressure
42.9
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
36.2
Bank Institutional
57.8
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
119.0
Price Cut %
2.9%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
4.2%
Bank Score
57.8
Insurance Score
0.0
Listings Discount
36.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46385 | 28.6 | 12.2 | 0.0 | 36.2 |
| County 18127 | 29.2 | 13.1 | 0.0 | 34.4 |
| IN state avg | 31.3 | 14.7 | 0.0 | 33.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 46307 | 37.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 22 |
| 46360 | 36.9 | PEAK_OPPORTUNITY | VACANCY | 42 | 21 |
| 46391 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 19 |
| 46403 | 35.2 | EARLY_SIGNAL | VACANCY | 28 | 21 |
| 46342 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 20 |
| 46304 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 15 |
| 46390 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 46348 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 46368 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 38 | 15 |
| 46341 | 30.6 | WEAK | BANK_INSTITUTIONAL | 24 | 18 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/46385
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.