ZIP 46601 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Indiana's ZIP 46601 registers 19/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (38/100), institutional ownership (32/100), mortgage stress (3/100). By contrast, institutional ownership (32/100) 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 38/100 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 records.

Big metro or rural, 46601 runs through one identical scoring model, so its 19/100 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 as records update; 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.