ZIP 46126 Foreclosure, Tax-Lien & Distress Report

ZIP code 46126 in Shelby County, Indiana carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (85/100), structural risk (63/100), institutional ownership (47/100). By contrast, mortgage stress (8/100) register low. The split runs 63/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100).

The peak-phase market in 46126 posted values that rose 3.1% over the year, and 18% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 30% of renters are cost-burdened. Home values center near $263,300, an affordability ratio of 3.2× — accessible. The poverty rate is 8.7%. Around 20% of adults hold a bachelor's degree or higher. Median household income is $73,730, near the U.S. median near $78,000. The ZIP holds roughly 1,794 housing units. The demographic-stress sub-score lands at 26/100. 3,976 residents call 46126 home, typically aged 44. The vacancy rate is 4.2%. 85% of housing is owner-occupied.

Overall, 46126 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 46126 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 46126 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 46126 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 figure for 46126 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. In workflow terms, 46126 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.