ZIP 46561 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Indiana · Distress market
Scored on a fixed 0-100 scale, 46561 (St. Joseph County, Indiana) returns a low composite of 19/100. Structural exposure scores 38 and live distress 1 on the 0–100 scale. The pressure is most legible in structural risk (38/100), institutional ownership (30/100), mortgage stress (3/100). On the quiet end sit institutional ownership (30/100) and mortgage stress (3/100). Climate and flood risk are elevated too — climate & FEMA risk (86/100).
The market reads expansion — home values rose 6.0% year on year, and 20% higher over three years, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Vacancy runs 3.1%. Home values center near $230,600, an affordability ratio of 2.5× — accessible. The ZIP holds roughly 5,236 housing units. Around 27% of renters are cost-burdened. Population is roughly 14,499 with a median age of 38. DLRadar's demographic-stress index for the area reads 24/100. 86% of housing is owner-occupied. Educational attainment sits at 26% bachelor's-or-above. Households earn a median $83,520 — near the roughly $78,000 national figure. Roughly 10.8% live below the poverty line.
On balance, 46561 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 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, 46561's 19/100 can be lined up against any neighbor in St. Joseph County, Indiana or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 46561 shows blanks, not estimates, wherever the record is sparse.
The 19/100 figure for 46561 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 46561 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.
Signal-by-signal read on 46561
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 46561 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 46561, the same set carried on every parcel.
Nearby ZIPs in St. Joseph County
Nearest ZIP codes to 46561
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Indiana distress
Additional distress intelligence spanning St. Joseph County, Indiana by ZIP, county and state.
See every distressed parcel in 46561
Open 46561 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology