ZIP
46985
IN · County 18131 · pop 1,247 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14527
Why This ZIP
ZIP 46985 ranks #14527 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 46985 — 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 18131 — ZIP 46985 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18131 — ZIP 46985 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18131 — ZIP 46985 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 | 28.0 |
| Vacancy | 23.9 |
| Property Stress | 23.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 36.5 |
| Bank Institutional | 30.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14527
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.5
Pulse score29.4
Signal Breakdown — 10 Categories
Vacancy
23.9
Auction / REO
—
Construction Pressure
36.5
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
30.5
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
23.9%
Bank Score
30.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 46985 | 29.4 | 23.8 | 0.0 | — |
| County 18131 | 35.6 | 23.2 | 0.0 | 32.4 |
| 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 |
|---|---|---|---|---|---|
| 46978 | 41.0 | STRONG_BUY | BANK_INSTITUTIONAL | 59 | 17 |
| 47960 | 40.7 | STRONG_BUY | VACANCY | 44 | 24 |
| 47957 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 22 |
| 46996 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 52 | 23 |
| 46939 | 38.3 | OVERHEATED | VACANCY | — | 23 |
| 47959 | 37.2 | OVERHEATED | VACANCY | — | 23 |
| 46960 | 36.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 46366 | 34.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 46374 | 32.3 | EARLY_SIGNAL | VACANCY | — | 23 |
| 47946 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/46985
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.