ZIP 46304 Property Distress & Foreclosure Data

In Porter County, Indiana, ZIP 46304 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (49/100), construction/permit lag (46/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. On the structural side it scores 49/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (60/100).

The market reads peak — home values rose 4.4% year on year, and 18% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 12,117 housing units. The vacancy rate is 5.2%. Median household income is $88,551, above the U.S. median near $78,000. Around 29% of renters are cost-burdened. 9.3% of residents fall below the poverty threshold. Educational attainment sits at 35% bachelor's-or-above. About 27,402 people live here, median age 40. DLRadar's demographic-stress index for the area reads 26/100. Owners hold 76% of homes, renters 24%. Home values center near $293,100, an affordability ratio of 3.1× — accessible.

Overall 46304 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.