Adams County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Adams County, OH distress report, 2026: 13 ZIPs scored in Adams, OH, Adams, OH average 16/100; the top Adams, OH ZIP is 45616 at 17/100; Adams, OH market phase expansion, Adams, OH prices +6.0% year over year.
- Adams, OH ranks #1,429 nationally (opportunity index); Adams, OH #9 in Ohio; Adams, OH index 29.7.
- Adams, OH: no CFPB county sample; Adams, OH non-metro area reading 1.4%.
- Adams, OH ZIP phases: 10 expansion, 3 peak.
- Adams, OH residential listings tracked: 10 across 10 ZIPs; Adams, OH candidate listings 5.
- Adams, OH HUD assisted properties: 5 with 115 units.
- Adams, OH lenders on watch: 4; largest Adams, OH footprint First State Bank (5 branches).
- Adams, OH most distressed ZIP: 45616 at 17/100.
Adams, OH figures: DLRadar distress index; Adams, OH inputs: CFPB, FHFA, HUD, FDIC; Adams, OH rebuilt as sources refresh.
| Rank | Adams, OH ZIP | Score |
|---|---|---|
| 1 | 45616 | 17/100 |
| 2 | 45684 | 17/100 |
| 3 | 45101 | 16/100 |
| 4 | 45105 | 16/100 |
| 5 | 45618 | 16/100 |
| 6 | 45650 | 16/100 |
| 7 | 45657 | 16/100 |
| 8 | 45679 | 16/100 |
| 9 | 45693 | 16/100 |
| 10 | 45144 | 15/100 |
| 11 | 45660 | 15/100 |
| 12 | 45671 | 15/100 |
Most distressed Adams, OH ZIPs (0-100, 2026)
Mortgage delinquency around Adams, OH
No CFPB county sample covers Adams, OH; the non-metro area reading for Adams, OH: 1.4% ninety-plus; Adams, OH area thirty-to-eighty-nine 3.4% (December 2025, Adams, OH); Ohio overall 1.0%.
Opportunity index: Adams, OH
Adams, OH index 29.7, Adams, OH phase early_signal; Adams, OH primary driver vacancy, Adams, OH second driver bank institutional. Adams, OH components: property stress 17.4, foreclosure pressure 17.5, listing discounts 28.6, bank stress 61.7, insurance 0.0; Adams, OH pulse 34.4; Adams, OH capital opportunity 22.6; Adams, OH seven-day change +0.2%.
ZIP market phases inside Adams, OH
13 Adams, OH ZIPs carry a price-cycle phase; Adams, OH ZIPs by phase (Adams, OH), deepest drawdown first: peak, +3.5% YoY (Adams, OH): 45101; expansion, +6.0% YoY (Adams, OH): 45105, 45618, 45650, 45679, Adams, OH 45693; expansion, +5.7% YoY (Adams, OH): 45144; expansion, +5.4% YoY (Adams, OH): 45616; peak, +4.2% YoY (Adams, OH): 45657, 45671; expansion, +5.9% YoY (Adams, OH): 45660; expansion, +5.1% YoY (Adams, OH): 45684, 45697.
Residential listings by Adams, OH ZIP
Adams, OH ZIPs with the most tracked Adams, OH residential listings: 45144 4 listings, 2 candidates, bank pressure 63; 45660 2 listings, 1 candidates, bank pressure 61; 45616 1 listings, 1 candidates, bank pressure 57; 45684 1 listings, 0 candidates, bank pressure 57 (Adams, OH); 45693 1 listings, 0 candidates, bank pressure 60; 45697 1 listings, 1 candidates, bank pressure 64; 45105 0 listings, 0 candidates, bank pressure 60; 45618 0 listings, 0 candidates, bank pressure 60. Adams, OH totals: 10 listings; Adams, OH candidates 5; active ZIPs 2.
HUD assisted housing in Adams, OH
5 assisted properties with 115 units sit in Adams, OH; largest Adams, OH properties: Oakdale Estates (West Union) 49 units, 49 assisted; Oakdale Estates Senior (West Union) 46 units, 45 assisted; Mariaview Apartments (West Union) 10 units, 10 assisted in Adams, OH; Leslie Haven (West Union) 5 units, 5 assisted; Vintage Square Apartments (West Union) 5 units, 5 assisted.
Lenders with branches in Adams, OH
Adams, OH lenders by branch count: First State Bank (Adams, OH): stress 73, 5 branches low in Adams, OH; Southern Hills Cmty Bank (Adams, OH): stress 67, 2 branches low in Adams, OH; Fifth Third Bank Na (Adams, OH): stress 62, 1 branch low in Adams, OH; National Bk Adams Cnty W Uni (Adams, OH): stress 45, 1 branch low in Adams, OH.
Vacancy and permits, Adams, OH
2,312 of 12,733 Adams, OH housing units are vacant; Adams, OH permits, twelve months: 6 multifamily units in Adams, OH, 21 one-to-four unit units.
Work Adams, OH at the parcel level
Every Adams, OH parcel carries owner and address; every Adams, OH parcel carries APN; Adams, OH distress scores sit on the Adams, OH live board.
Adams, OH figures refresh with each source.
Adams, OH questions
Most distressed ZIP code in Adams County, OH?
ZIP 45616 leads Adams, OH at 17/100; next in Adams, OH: 45684 at 17/100; the Adams, OH average is 16/100.
Where does Adams County, OH rank for investment opportunity?
Adams, OH is #1,429 among all ranked counties, #9 in Ohio; the Adams, OH driver is vacancy; Adams, OH moved down 181 places.
How many mortgages are delinquent in Adams County, OH?
Adams, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Adams, OH.
Which banks lend in Adams County, OH?
4 watched lenders hold Adams, OH branches; the largest Adams, OH footprints are First State Bank (5), Southern Hills Cmty Bank (2), Fifth Third Bank Na (1).
More on Adams, OH
Adams County, OH distress report: public-record figures for Adams, OH; not legal advice for Adams, OH; not tax or investment advice; verify every Adams, OH record before acting.