ZIP 46516 Property Distress & Foreclosure Data

In Elkhart County, Indiana, ZIP 46516 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (66/100). Its standout signals are structural risk (41/100), institutional ownership (15/100), construction/permit lag (12/100). construction/permit lag (12/100) and mortgage stress (7/100) stay muted. Structural exposure scores 41 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 20% higher over three years, at 43/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

31,959 residents call 46516 home, typically aged 36. 62% of housing is owner-occupied. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Around 18% of adults hold a bachelor's degree or higher. Vacancy runs 15.3%, above the national norm and a classic distress-and-opportunity signal. There are about 14,391 housing units across 46516. The typical home is worth about $153,400 (2.7× income, relatively affordable). At $54,934, median income runs below typical U.S. levels. Rent burden reaches 37% of tenant households. The demographic-stress sub-score lands at 32/100.

Taken together, 46516 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.