ZIP 46514 Property Distress & Foreclosure Data

Elkhart County, Indiana's ZIP 46514 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (66/100). The most distinctive pressure shows up in structural risk (41/100), institutional ownership (15/100), construction/permit lag (12/100). By contrast, construction/permit lag (12/100) and mortgage stress (7/100) register low. Structural risk reads 41/100 against active distress of 2/100.

The market reads expansion — home values rose 5.2% year on year, and 20% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $197,800, an affordability ratio of 2.8× — accessible. Median household income is $61,784, below the U.S. median near $78,000. There are about 18,002 housing units across 46514. Vacancy runs 8.6%. DLRadar's demographic-stress index for the area reads 29/100. 11.2% of residents fall below the poverty threshold. Owners hold 72% of homes, renters 28%. Educational attainment sits at 21% bachelor's-or-above. About 41,480 people live here, median age 40. Rent burden reaches 41% of tenant households.

Net-net, 46514 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.