ZIP 46038 Foreclosure, Tax-Lien & Distress Report

In Hamilton County, Indiana, ZIP 46038 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are structural risk (51/100), institutional ownership (45/100), construction/permit lag (15/100). construction/permit lag (15/100) and mortgage stress (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (91/100), FEMA disaster exposure (71/100). Structurally it carries 51/100, against 1/100 of stress already in motion.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 14% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $105,092, median income runs above typical U.S. levels. 69% of housing is owner-occupied. The typical home is worth about $333,200 (2.9× income, relatively affordable). Around 30% of renters are cost-burdened. Vacancy runs 4.5%. Educational attainment sits at 60% bachelor's-or-above. There are about 18,058 housing units across 46038. The demographic-stress sub-score lands at 22/100. The poverty rate is 4.3% — low. About 43,245 people live here, median age 36.

On balance, 46038 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 46038 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 46038 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Hamilton County, Indiana and the nation. Nothing here is interpolated — where a source is thin for 46038, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 for 46038 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 46038 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.