ZIP 46544 Property Distress & Foreclosure Data

DLRadar grades ZIP 46544 (St. Joseph County, Indiana) at a low 19/100 for overall property distress. Property-level stress concentrates in construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. The latent-versus-live split is 41/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100).

The market reads peak — home values rose 3.4% year on year, and 22% higher over three years (phase confidence 39/100). Topping markets hide individual distress behind strong averages.

Median household income is $57,873, below the U.S. median near $78,000. Home values center near $172,200, an affordability ratio of 2.6× — accessible. 18.0% of residents fall below the poverty threshold. Around 38% of renters are cost-burdened. Educational attainment sits at 25% bachelor's-or-above. The ZIP holds roughly 13,825 housing units. Owners hold 66% of homes, renters 34%. DLRadar's demographic-stress index for the area reads 29/100. The vacancy rate is 7.7%. About 31,138 people live here, median age 35.

Net-net, 46544 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.