ZIP 46554 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Indiana · Affordable market
Composite property distress in 46554 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's distress scoring. On the structural side it scores 39/100, with 1/100 of stress already active. Its heaviest discrete signals: structural risk (39/100), institutional ownership (33/100), mortgage stress (3/100). institutional ownership (33/100) and mortgage stress (3/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (86/100), FEMA disaster exposure (63/100)).
The expansion-phase market in 46554 posted values that rose 6.2% over the year, and 21% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The typical home is worth about $203,000 (2.5× income, relatively affordable). Owners hold 91% of homes, renters 9%. About 4,285 people live here, median age 42. Around 26% of adults hold a bachelor's degree or higher. There are about 1,771 housing units across 46554. Vacancy runs 5.8%. Around 49% of renters are cost-burdened. 5.7% of residents fall below the poverty threshold. At $75,043, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 26/100.
Net-net, 46554 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.
No ZIP is too small to score: 46554 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 46554 reflects the current record instead of a stale or modeled snapshot.
46554's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 46554 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 46554
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 46554 Stress Report snapshot
The live 46554 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in St. Joseph County
Nearest ZIP codes to 46554
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to St. Joseph County, Indiana — ZIP, county and statewide.
See every distressed parcel in 46554
Every distressed parcel in 46554 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology