ZIP 46545 Property Distress & Foreclosure Data

Composite property distress in 46545 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (86/100)). The sharpest non-environmental signals are construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Structural exposure scores 41 and live distress 1 on the 0–100 scale.

The peak-phase market in 46545 posted values that rose 3.4% over the year, and 27% higher over three years, at 39/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $177,900 here, or 3.1 times local income. The tenure split is 49% owner-occupied to 51% rented. There are about 12,983 housing units across 46545. About 31% have a four-year degree. Roughly 11.6% live below the poverty line. Vacancy runs 9.2%. Households earn a median $55,889 — below the roughly $78,000 national figure. On demographic stress specifically, 46545 scores 31/100. Population is roughly 26,581 with a median age of 38. Rent burden reaches 38% of tenant households.

On balance 46545 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.