ZIP 46176 Foreclosure, Tax-Lien & Distress Report

ZIP 46176's composite property-distress score is 27/100 - DLRadar classes that as low for Shelby County, Indiana. Latent structural risk is 63/100 while live distress already moving reads 2/100. Environmental exposure also runs high (flood (NFIP) exposure (85/100)). The sharpest non-environmental signals are construction/permit lag (85/100), structural risk (63/100), institutional ownership (47/100). mortgage stress (8/100) stay muted.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 26% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Home values center near $194,400, an affordability ratio of 2.6× — accessible. 66% of housing is owner-occupied. About 28,581 people live here, median age 39. Around 32% of renters are cost-burdened. Median household income is $66,045, below the U.S. median near $78,000. Roughly 13.5% live below the poverty line. The ZIP holds roughly 13,032 housing units. On demographic stress specifically, 46176 scores 28/100. The vacancy rate is 9.2%. Around 19% of adults hold a bachelor's degree or higher.

On balance 46176 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 46176 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 46176 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. Every figure is auditable to a public dataset and refreshed on ingest; 46176 shows blanks, not estimates, wherever the record is sparse.

46176's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 46176 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.