ZIP 46614 Property Distress & Foreclosure Data

ZIP code 46614 in St. Joseph County, Indiana carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). The latent-versus-live split is 41/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (86/100)).

The peak-phase market in 46614 posted values that rose 3.4% over the year, and 21% higher over three years (phase confidence 39/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $70,998 — near the roughly $78,000 national figure. Around 38% of renters are cost-burdened. The ZIP holds roughly 12,876 housing units. Population is roughly 29,339 with a median age of 41. On demographic stress specifically, 46614 scores 25/100. The vacancy rate is 4.8%. About 34% have a four-year degree. The tenure split is 78% owner-occupied to 22% rented. Roughly 9.9% live below the poverty line. A median home runs $187,500 here, or 2.5 times local income.

On balance 46614 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.