ZIP 46635 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 46635 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's public-record scoring. Structural risk reads 41/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (86/100)). The sharpest non-environmental signals are 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 peak-phase market in 46635 posted values that rose 3.4% over the year, and 32% higher over three years, at 39/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $208,400 here, or 2.4 times local income. The tenure split is 79% owner-occupied to 21% rented. Population is roughly 6,552 with a median age of 43. Vacancy runs 8.0%. Rent burden reaches 21% of tenant households. Households earn a median $79,416 — near the roughly $78,000 national figure. Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. About 39% have a four-year degree. There are about 2,972 housing units across 46635. On demographic stress specifically, 46635 scores 21/100.

Broadly, 46635 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.