ZIP 46038 Property Distress & Foreclosure Data

ZIP code 46038 in Hamilton County, Indiana carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (62/100), structural risk (48/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (3/100). Environmental exposure also runs high (climate & FEMA risk (91/100)). The latent-versus-live split is 48/100 structural and 1/100 already moving.

The peak-phase market in 46038 posted values that rose 4.1% over the year, and 14% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $105,092 — above the roughly $78,000 national figure. The tenure split is 69% owner-occupied to 31% rented. A median home runs $333,200 here, or 2.9 times local income. Around 30% of renters are cost-burdened. The vacancy rate is 4.5%. About 60% have a four-year degree. The ZIP holds roughly 18,058 housing units. On demographic stress specifically, 46038 scores 22/100. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 43,245 with a median age of 36.

Broadly, 46038 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.