ZIP 46322 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 46322 (Lake County, Indiana) at a moderate 34/100 for overall property distress. The most distinctive pressure shows up in structural risk (74/100), institutional ownership (58/100), construction/permit lag (58/100). By contrast, mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (96/100), FEMA disaster exposure (77/100), flood (NFIP) exposure (75/100)). Structural risk reads 74/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 13% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $76,219, median income runs near typical U.S. levels. Roughly 9.7% live below the poverty line. Around 40% of renters are cost-burdened. The typical home is worth about $233,300 (2.9× income, relatively affordable). DLRadar's demographic-stress index for the area reads 27/100. About 30% have a four-year degree. 77% of housing is owner-occupied. There are about 10,879 housing units across 46322. Vacancy runs 4.4%. About 23,749 people live here, median age 45.

Net-net, 46322 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 46322 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: 46322 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 46322 reflects the current record instead of a stale or modeled snapshot.

Behind 46322'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. Practically, 46322 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.