ZIP 46120 Foreclosure, Tax-Lien & Distress Report

ZIP 46120's composite property-distress score is 23/100 - DLRadar classes that as low for Putnam County, Indiana. The pressure is most legible in construction/permit lag (77/100), structural risk (52/100), institutional ownership (41/100). On the quiet end sit mortgage stress (6/100). The latent-versus-live split is 52/100 structural and 2/100 already moving. Environmental exposure also runs high (FEMA disaster exposure (64/100)).

The market reads peak — home values rose 3.6% year on year, and 21% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 57% of tenant households. Vacancy runs 6.9%. Population is roughly 6,138 with a median age of 52. Educational attainment sits at 15% bachelor's-or-above. Median household income is $55,192, below the U.S. median near $78,000. There are about 2,956 housing units across 46120. Roughly 8.5% live below the poverty line. On demographic stress specifically, 46120 scores 31/100. 74% of housing is owner-occupied. The typical home is worth about $171,400 (3.0× income, relatively affordable).

On balance 46120 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 46120 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 46120 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46120 can be compared directly against any other ZIP in Putnam County, Indiana or nationwide. The score is rebuilt from public data as it updates, so 46120 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 46120 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 46120 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.