ZIP 46538 Property Distress & Foreclosure Data

ZIP code 46538 in Kosciusko County, Indiana carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. Structural exposure scores 26 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (67/100). What sets it apart are the readings on structural risk (26/100), construction/permit lag (22/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 4.4% year on year, and 24% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 4,369 people live here, median age 43. 5.0% of residents fall below the poverty threshold. Vacancy runs 38.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 31% bachelor's-or-above. There are about 2,675 housing units across 46538. DLRadar's demographic-stress index for the area reads 30/100. Home values center near $270,600, an affordability ratio of 3.0× — accessible. Median household income is $86,923, near the U.S. median near $78,000. Owners hold 85% of homes, renters 15%. Rent burden reaches 49% of tenant households.

Net-net, 46538 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.