ZIP 46151 Foreclosure, Tax-Lien & Distress Report
Morgan County, Indiana · Distress market
DLRadar grades ZIP 46151 (Morgan County, Indiana) at a moderate 30/100 for overall property distress. Leading the profile are structural risk (67/100), construction/permit lag (63/100), institutional ownership (61/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — FEMA disaster exposure (81/100), flood (NFIP) exposure (75/100), climate & FEMA risk (67/100). Structural exposure scores 67 and live distress 6 on the 0–100 scale.
The peak-phase market in 46151 posted values that rose 3.0% over the year, and 15% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.
Median household income is $77,724, near the U.S. median near $78,000. Around 39% of renters are cost-burdened. The poverty rate is 8.4%. On demographic stress specifically, 46151 scores 27/100. The typical home is worth about $242,200 (2.8× income, relatively affordable). The ZIP holds roughly 13,608 housing units. Educational attainment sits at 20% bachelor's-or-above. About 32,339 people live here, median age 41. The tenure split is 80% owner-occupied to 20% rented. Vacancy runs 7.3%.
On balance 46151 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 46151 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 46151 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 46151 shows blanks, not estimates, wherever the record is sparse.
Behind 46151's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 46151 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 46151’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 46151 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 46151, the same set carried on every parcel.
Nearby ZIPs in Morgan County
Related reports across Morgan County, Indiana
Related ZIP, county and statewide reads linked to Morgan County, Indiana.
The complete 46151 distress and acquisition report
See who owns each distressed property in 46151, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology