ZIP
46814
IN · County 18003 · pop 16,906 (population)
31.9
Opportunity Index
EARLY_SIGNALNational rank #17488
Why This ZIP
ZIP 46814 ranks #17488 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46814 — 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 18003 — ZIP 46814 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18003 — ZIP 46814 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18003 — ZIP 46814 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 | 38.4 |
| Property Stress | 12.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 67.9 |
| Construction Pressure | 42.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#17488
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.2
Pulse score30.4
Signal Breakdown — 10 Categories
Vacancy
4.8
Auction / REO
—
Construction Pressure
42.8
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
38.4
Bank Institutional
67.9
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
4.8%
Bank Score
67.9
Insurance Score
0.0
Listings Discount
38.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46814 | 30.4 | 10.4 | 0.0 | 38.4 |
| County 18003 | 29.1 | 10.9 | 0.0 | 40.1 |
| 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 |
|---|---|---|---|---|---|
| 46806 | 37.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 13 |
| 46808 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 13 |
| 46774 | 35.6 | WATCHLIST | BANK_INSTITUTIONAL | 54 | 13 |
| 46805 | 34.6 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 13 |
| 46818 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 13 |
| 46807 | 34.1 | WATCHLIST | VACANCY | 50 | 13 |
| 46835 | 33.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 46 | 13 |
| 46845 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 45 | 13 |
| 46815 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 42 | 13 |
| 46706 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 12 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/46814
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.