ZIP 46561 Property Distress & Foreclosure Data

In St. Joseph County, Indiana, ZIP 46561 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 42/100 against active distress of 1/100. Its standout signals are construction/permit lag (56/100), structural risk (42/100), institutional ownership (4/100). institutional ownership (4/100) and mortgage stress (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (86/100).

Prices here sit in a peak phase: values rose 3.6% over the trailing year, and 20% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 3.1%. The typical home is worth about $230,600 (2.5× income, relatively affordable). There are about 5,236 housing units across 46561. Rent burden reaches 27% of tenant households. 14,499 residents call 46561 home, typically aged 38. The demographic-stress sub-score lands at 24/100. 86% of housing is owner-occupied. Around 26% of adults hold a bachelor's degree or higher. At $83,520, median income runs near typical U.S. levels. The poverty rate is 10.8%.

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.