ZIP 46901 Property Distress & Foreclosure Data

Howard County, Indiana's ZIP 46901 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), climate & FEMA risk (63/100). The most distinctive pressure shows up in construction/permit lag (93/100), structural risk (57/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. Structural exposure scores 57 and live distress 2 on the 0–100 scale.

The market reads peak — home values rose 4.9% year on year, and 30% higher over three years, at 42/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 13.0%, above the national norm and a classic distress-and-opportunity signal. There are about 18,117 housing units across 46901. Owners hold 72% of homes, renters 28%. Educational attainment sits at 17% bachelor's-or-above. Home values center near $142,100, an affordability ratio of 2.2× — accessible. 13.6% of residents fall below the poverty threshold. About 38,254 people live here, median age 41. DLRadar's demographic-stress index for the area reads 28/100. Rent burden reaches 40% of tenant households. Median household income is $61,041, below the U.S. median near $78,000.

Net-net, 46901 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.