ZIP
46978
IN · County 18017 · pop 2,111 (population)
41.0
Opportunity Index
STRONG_BUYNational rank #1484
Why This ZIP
ZIP 46978 ranks #1484 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 41.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 46978 — 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 18017 — ZIP 46978 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18017 — ZIP 46978 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18017 — ZIP 46978 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 | 58.6 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 16.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 77.0 |
| Construction Pressure | 51.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1484
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp41.4
Pulse score40.8
Signal Breakdown — 10 Categories
Vacancy
13.9
Auction / REO
—
Construction Pressure
51.8
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
58.6
Bank Institutional
77.0
Insurance Distress
0.0
Foreclosure / Delinquency
16.0
Top-Line Metrics
Avg DOM (days)
126.5
Price Cut %
9.6%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
13.9%
Bank Score
77.0
Insurance Score
0.0
Listings Discount
58.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46978 | 40.8 | 16.1 | 0.0 | 58.6 |
| County 18017 | 33.6 | 16.0 | 0.0 | 42.4 |
| 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 |
|---|---|---|---|---|---|
| 46994 | 38.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 17 |
| 46970 | 36.0 | WATCHLIST | VACANCY | 51 | 18 |
| 46947 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 17 |
| 46901 | 33.3 | EARLY_SIGNAL | VACANCY | 40 | 18 |
| 46988 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 46932 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 17 |
| 46950 | 29.8 | WEAK | VACANCY | — | 17 |
| 46926 | 28.3 | WEAK | VACANCY | — | 18 |
| 46967 | 25.2 | WEAK | BANK_INSTITUTIONAL | — | 9 |
| 46961 | 24.9 | WEAK | BANK_INSTITUTIONAL | — | 9 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/46978
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.