ZIP
46786
IN · County 18087 · pop 38 (population)
25.3
Opportunity Index
WEAKNational rank #31431
Why This ZIP
ZIP 46786 ranks #31431 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 46786 — 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 18087 — ZIP 46786 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18087 — ZIP 46786 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18087 — ZIP 46786 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
| Foreclosure / Delinquency | 19.0 |
| Property Stress | 12.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 43.6 |
| Bank Institutional | 31.0 |
⚠ Missing Data
VacancyAuction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#31431
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp36.2
Pulse score18.0
Signal Breakdown — 10 Categories
Vacancy
0.0
Auction / REO
—
Construction Pressure
43.6
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.0
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
0.0%
Bank Score
31.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46786 | 18.0 | 11.4 | 0.0 | — |
| County 18087 | 30.5 | 13.2 | 0.0 | 4.7 |
| 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 |
|---|---|---|---|---|---|
| 46795 | 33.8 | EARLY_SIGNAL | VACANCY | 33 | 13 |
| 46776 | 31.6 | EARLY_SIGNAL | VACANCY | — | 17 |
| 46767 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 46747 | 31.3 | EARLY_SIGNAL | VACANCY | — | 16 |
| 46540 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 46746 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 46761 | 30.6 | WEAK | VACANCY | — | 13 |
| 46543 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 14 |
| 46571 | 29.3 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 46565 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 13 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/46786
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.