ZIP 46128 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 46128 (Putnam County, Indiana) returns a low composite of 16/100. On the structural side it scores 36/100, with 1/100 of stress already active. Its heaviest discrete signals: construction/permit lag (76/100), structural risk (36/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100).

The peak-phase market in 46128 posted values that rose 4.3% over the year, and 37% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Roughly 12.8% live below the poverty line. Vacancy runs 3.0%. The demographic-stress sub-score lands at 20/100. The ZIP holds roughly 1,095 housing units. Median household income is $85,250, near the U.S. median near $78,000. About 2,319 people live here, median age 49. Around 2% of renters are cost-burdened. The typical home is worth about $209,300 (2.5× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. The tenure split is 86% owner-occupied to 14% rented.

On balance, 46128 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 46128 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46128 can be compared directly against any other ZIP in Putnam County, Indiana or nationwide. 46128 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 16/100 figure for 46128 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. Practically, 46128 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.