ZIP 46601 Property Distress & Foreclosure Data

In St. Joseph County, Indiana, ZIP 46601 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100). On the structural side it scores 41/100, with 1/100 of stress already active.

The market reads peak — home values rose 3.4% year on year, and 32% higher over three years (phase confidence 39/100). Topping markets hide individual distress behind strong averages.

40.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 48/100. Median household income is $27,080, below the U.S. median near $78,000. The ZIP holds roughly 2,933 housing units. The vacancy rate is 26.0% — elevated. Educational attainment sits at 23% bachelor's-or-above. Owners hold 20% of homes, renters 80%. Home values center near $145,000, an affordability ratio of 4.9×. Around 47% of renters are cost-burdened. About 4,933 people live here, median age 39.

Net-net, 46601 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.