ZIP 46540 Property Distress & Foreclosure Data

Composite property distress in 46540 (Elkhart County, Indiana) lands at 17/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (38/100), construction/permit lag (15/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (7/100) stay muted. The latent-versus-live split is 38/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (79/100).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 10% higher over three years (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 19% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 25/100. The poverty rate is 6.2% — low. The ZIP holds roughly 4,335 housing units. The vacancy rate is 7.0%. 13,239 residents call 46540 home, typically aged 32. At $99,664, median income runs above typical U.S. levels. 88% of housing is owner-occupied. Around 19% of renters are cost-burdened. The typical home is worth about $313,700 (3.0× income, relatively affordable).

On balance, 46540 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.