ZIP 46628 Property Distress & Foreclosure Data

ZIP code 46628 in St. Joseph County, Indiana carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 41/100 against active distress of 1/100. What sets it apart are the readings on construction/permit lag (59/100), structural risk (41/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100).

The market reads peak — home values rose 3.4% year on year, and 22% higher over three years, at 39/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 27,929 people live here, median age 36. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. Home values center near $182,200, an affordability ratio of 2.9× — accessible. Owners hold 69% of homes, renters 31%. Educational attainment sits at 26% bachelor's-or-above. Rent burden reaches 52% of tenant households. Median household income is $56,889, below the U.S. median near $78,000. 21.5% of residents fall below the poverty threshold. There are about 12,156 housing units across 46628. DLRadar's demographic-stress index for the area reads 33/100.

Net-net, 46628 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.