ZIP 46124 Property Distress & Foreclosure Data

In Shelby County, Indiana, ZIP 46124 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (52/100), construction/permit lag (51/100), institutional ownership (29/100). By contrast, institutional ownership (29/100) and mortgage stress (11/100) register low. On the structural side it scores 52/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (63/100).

The market reads peak — home values rose 4.0% year on year, and 11% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Owners hold 65% of homes, renters 35%. DLRadar's demographic-stress index for the area reads 27/100. 9.6% of residents fall below the poverty threshold. Around 26% of renters are cost-burdened. The ZIP holds roughly 3,166 housing units. Home values center near $184,700, an affordability ratio of 2.7× — accessible. Educational attainment sits at 15% bachelor's-or-above. The vacancy rate is 6.7%. Median household income is $67,926, below the U.S. median near $78,000. About 7,638 people live here, median age 40.

Net-net, 46124 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.