ZIP 46616 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Indiana's ZIP 46616 registers 21/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). On the quiet end sit construction/permit lag (23/100) and mortgage stress (3/100). The latent-versus-live split is 42/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (86/100)).

Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 16% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The poverty rate is 13.7%. Around 40% of adults hold a bachelor's degree or higher. Median household income is $56,293, below the U.S. median near $78,000. Owners hold 59% of homes, renters 41%. The typical home is worth about $153,600 (2.4× income, relatively affordable). 6,219 residents call 46616 home, typically aged 34. Rent burden reaches 44% of tenant households. On demographic stress specifically, 46616 scores 28/100. The ZIP holds roughly 2,777 housing units. The vacancy rate is 8.6%.

Net-net, 46616 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 46616 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 46616's 21/100 can be lined up against any neighbor in St. Joseph County, Indiana or any ZIP coast to coast. Where the public record is thin for 46616, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 46616 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 46616 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.