ZIP 46181 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 46181 (Johnson County, Indiana) at a low 25/100 for overall property distress. Structural exposure scores 57 and live distress 3 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (80/100), climate & FEMA risk (71/100)). Its heaviest discrete signals: construction/permit lag (74/100), structural risk (57/100), institutional ownership (22/100). By contrast, institutional ownership (22/100) and mortgage stress (9/100) register low.

The market reads peak — home values rose 3.1% year on year, and 14% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $314,300 here, or 3.3 times local income. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. 91% of housing is owner-occupied. The demographic-stress sub-score lands at 29/100. The vacancy rate is 1.7%. Rent burden reaches 59% of tenant households. About 5,094 people live here, median age 41. The ZIP holds roughly 1,911 housing units. Households earn a median $85,625 — near the roughly $78,000 national figure. About 28% have a four-year degree.

Overall, 46181 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 46181 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 46181 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 46181 shows blanks, not estimates, wherever the record is sparse.

The 25/100 for 46181 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 46181 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.