ZIP 46628 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Indiana's ZIP 46628 registers 21/100 composite distress, which DLRadar reads as low. On the structural side it scores 42/100, with 1/100 of stress already active. The most distinctive pressure shows up in 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). Environmental exposure also runs high (climate & FEMA risk (86/100)).

The market reads expansion — home values rose 6.1% year on year, and 22% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 27,929 people live here, median age 36. The vacancy rate is 11.4% — elevated. A median home runs $182,200 here, or 2.9 times local income. The tenure split is 69% owner-occupied to 31% rented. Around 26% of adults hold a bachelor's degree or higher. Around 52% of renters are cost-burdened. Households earn a median $56,889 — below the roughly $78,000 national figure. Roughly 21.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 12,156 housing units. On demographic stress specifically, 46628 scores 33/100.

Net-net, 46628 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 46628 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 46628's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 46628 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

46628's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 46628 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.