ZIP 46544 Foreclosure, Tax-Lien & Distress Report

ZIP 46544's composite property-distress score is 21/100 - DLRadar classes that as low for St. Joseph County, Indiana. Its standout signals are structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). construction/permit lag (23/100) and mortgage stress (3/100) stay muted. Structural exposure scores 42 and live distress 1 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (86/100).

Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 22% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $57,873 — below the roughly $78,000 national figure. Home values center near $172,200, an affordability ratio of 2.6× — accessible. The poverty rate is 18.0% — high, a tax-stress and distress correlate. Around 38% of renters are cost-burdened. About 25% have a four-year degree. There are about 13,825 housing units across 46544. Owners hold 66% of homes, renters 34%. On demographic stress specifically, 46544 scores 29/100. The vacancy rate is 7.7%. Population is roughly 31,138 with a median age of 35.

On balance 46544 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 46544's 21/100 can be lined up against any neighbor in St. Joseph County, Indiana or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 46544 reflects the current record instead of a stale or modeled snapshot.

The 21/100 for 46544 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 46544 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.