ZIP 46601 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Indiana · High Vacancy market
St. Joseph County, Indiana's ZIP 46601 registers 21/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). By contrast, construction/permit lag (23/100) and mortgage stress (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (86/100). The latent-versus-live split is 42/100 structural and 1/100 already moving.
Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 32% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The poverty rate is 40.0% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 48/100. At $27,080, median income runs below typical U.S. levels. There are about 2,933 housing units across 46601. The vacancy rate is 26.0% — elevated. Educational attainment sits at 23% bachelor's-or-above. 20% of housing is owner-occupied. A median home runs $145,000 here, or 4.9 times local income. Rent burden reaches 47% of tenant households. Population is roughly 4,933 with a median age of 39.
On the whole, 46601 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 46601 at the moment; the composite and its components are still built from verifiable public records.
Big metro or rural, 46601 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in St. Joseph County, Indiana and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 46601 shows blanks, not estimates, wherever the record is sparse.
46601's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 46601 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 46601
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 46601 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 46601, the same set carried on every parcel.
Adjacent St. Joseph County ZIP reports
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More ZIP, county and state distress intelligence connected to St. Joseph County, Indiana.
The complete 46601 distress and acquisition report
Pull every distressed parcel in 46601 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
Built from public records, scored the same way everywhere · methodology