ZIP 46554 Property Distress & Foreclosure Data

Composite property distress in 46554 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's public-record scoring. Structural risk reads 41/100 against active distress of 1/100. 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). Environmental exposure also runs high (climate & FEMA risk (86/100)).

The peak-phase market in 46554 posted values that rose 3.5% over the year, and 21% 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 $203,000 here, or 2.5 times local income. The tenure split is 91% owner-occupied to 9% rented. Population is roughly 4,285 with a median age of 42. About 26% have a four-year degree. There are about 1,771 housing units across 46554. Vacancy runs 5.8%. Rent burden reaches 49% of tenant households. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $75,043 — near the roughly $78,000 national figure. On demographic stress specifically, 46554 scores 26/100.

On balance 46554 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.