ZIP 46637 Property Distress & Foreclosure Data

ZIP code 46637 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 exposure scores 41 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (86/100). 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.

The market reads peak — home values rose 3.4% year on year, and 17% higher over three years, at 39/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 8,573 housing units across 46637. Home values center near $207,100, an affordability ratio of 2.6× — accessible. Rent burden reaches 44% of tenant households. Owners hold 69% of homes, renters 31%. Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 27/100. Educational attainment sits at 38% bachelor's-or-above. Median household income is $72,401, near the U.S. median near $78,000. About 16,079 people live here, median age 39. 9.7% of residents fall below the poverty threshold.

Net-net, 46637 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.