ZIP 46321 Property Distress & Foreclosure Data

ZIP code 46321 in Lake County, Indiana carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 61 and live distress 2 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (75/100), structural risk (61/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (69/100).

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 12% higher over three years, at 32/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 4.2%. 86% of housing is owner-occupied. The typical home is worth about $334,300 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 25/100. The poverty rate is 7.3% — low. Around 48% of adults hold a bachelor's degree or higher. 23,733 residents call 46321 home, typically aged 45. At $105,764, median income runs above typical U.S. levels. There are about 9,814 housing units across 46321. Rent burden reaches 47% of tenant households.

Overall, 46321 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.