ZIP 46615 Property Distress & Foreclosure Data

In St. Joseph County, Indiana, ZIP 46615 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (86/100). Its standout signals are construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Structural exposure scores 41 and live distress 1 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 21% higher over three years, at 39/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $139,600 (2.2× income, relatively affordable). Rent burden reaches 31% of tenant households. 14,411 residents call 46615 home, typically aged 35. Vacancy runs 12.9%, above the national norm and a classic distress-and-opportunity signal. 62% of housing is owner-occupied. The poverty rate is 18.5% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 27/100. There are about 7,261 housing units across 46615. At $57,983, median income runs below typical U.S. levels. Around 33% of adults hold a bachelor's degree or higher.

Taken together, 46615 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.