ZIP 46385 Property Distress & Foreclosure Data

ZIP code 46385 in Porter County, Indiana carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 49/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (60/100). What sets it apart are the readings on 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.

The market reads peak — home values rose 4.4% year on year, and 16% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 41,390 people live here, median age 43. Home values center near $331,700, an affordability ratio of 3.1× — accessible. DLRadar's demographic-stress index for the area reads 25/100. There are about 15,958 housing units across 46385. 7.4% of residents fall below the poverty threshold. Median household income is $97,208, above the U.S. median near $78,000. Vacancy runs 4.2%. Educational attainment sits at 34% bachelor's-or-above. Owners hold 88% of homes, renters 12%. Rent burden reaches 35% of tenant households.

Overall 46385 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.