Champaign County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Champaign County, OH distress report, 2026: 18 ZIPs scored in Champaign, OH, Champaign, OH average 13/100; the top Champaign, OH ZIP is 45502 at 22/100; Champaign, OH market phase peak, Champaign, OH prices +3.9% year over year.
- Champaign, OH ranks #2,921 nationally (opportunity index); Champaign, OH #70 in Ohio; Champaign, OH index 23.7.
- Champaign, OH: no CFPB county sample; Champaign, OH non-metro area reading 1.4%.
- Champaign, OH ZIP phases: 18 peak.
- Champaign, OH residential listings tracked: 9 across 10 ZIPs; Champaign, OH candidate listings 7.
- Champaign, OH HUD assisted properties: 3 with 118 units.
- Champaign, OH lenders on watch: 5; largest Champaign, OH footprint First Central Nb Of St Paris (4 branches).
- Champaign, OH most distressed ZIP: 45502 at 22/100.
Champaign, OH figures: DLRadar distress index; Champaign, OH inputs: CFPB, FHFA, HUD, FDIC; Champaign, OH rebuilt as sources refresh.
| Rank | Champaign, OH ZIP | Score |
|---|---|---|
| 1 | 45502 | 22/100 |
| 2 | 43045 | 21/100 |
| 3 | 45344 | 21/100 |
| 4 | 45312 | 20/100 |
| 5 | 45365 | 18/100 |
| 6 | 43343 | 17/100 |
| 7 | 43060 | 16/100 |
| 8 | 43318 | 16/100 |
| 9 | 43357 | 15/100 |
| 10 | 45317 | 15/100 |
| 11 | 43044 | 12/100 |
| 12 | 43084 | 11/100 |
Most distressed Champaign, OH ZIPs (0-100, 2026)
Mortgage delinquency around Champaign, OH
No CFPB county sample covers Champaign, OH; the non-metro area reading for Champaign, OH: 1.4% ninety-plus; Champaign, OH area thirty-to-eighty-nine 3.4% (December 2025, Champaign, OH); Ohio overall 1.0%.
Opportunity index: Champaign, OH
Champaign, OH index 23.7, Champaign, OH phase weak; Champaign, OH primary driver bank institutional, Champaign, OH second driver vacancy. Champaign, OH components: property stress 10.5, foreclosure pressure 9.1, listing discounts 26.6, bank stress 53.3, insurance 0.0; Champaign, OH pulse 24.8; Champaign, OH capital opportunity 22.1.
ZIP market phases inside Champaign, OH
18 Champaign, OH ZIPs carry a price-cycle phase; Champaign, OH ZIPs by phase (Champaign, OH), deepest drawdown first: peak, +3.9% YoY (Champaign, OH): 43009, 43047, 43070, 43072, Champaign, OH 43078, 43084, 43318, 43343, Champaign, OH 43357, 45365; peak, +3.4% YoY (Champaign, OH): 43044; peak, +3.0% YoY (Champaign, OH): 43045; peak, +3.8% YoY (Champaign, OH): 43060; peak, +4.6% YoY (Champaign, OH): 45312; peak, +4.2% YoY (Champaign, OH): 45317; peak, +2.3% YoY (Champaign, OH): 45344.
Residential listings by Champaign, OH ZIP
Champaign, OH ZIPs with the most tracked Champaign, OH residential listings: 43078 7 listings, 5 candidates, bank pressure 57; 43044 2 listings, 2 candidates, bank pressure 59; 43009 0 listings, 0 candidates, bank pressure 54; 43047 0 listings, 0 candidates, bank pressure 54 (Champaign, OH); 43060 0 listings, 0 candidates, bank pressure 64; 43070 0 listings, 0 candidates, bank pressure 54; 43072 0 listings, 0 candidates, bank pressure 54; 43084 0 listings, 0 candidates, bank pressure 61. Champaign, OH totals: 9 listings; Champaign, OH candidates 7; active ZIPs 2.
HUD assisted housing in Champaign, OH
3 assisted properties with 118 units sit in Champaign, OH; largest Champaign, OH properties: Cherry Arbors (North Lewisburg) 40 units, 40 assisted; Rotary Manor (Urbana) 40 units, 40 assisted; Gwynne Village (Urbana) 38 units, 38 assisted in Champaign, OH.
Lenders with branches in Champaign, OH
Champaign, OH lenders by branch count: First Central Nb Of St Paris (Champaign, OH): stress 42, 4 branches low in Champaign, OH; Peoples Savings Bank (Champaign, OH): stress 82, 2 branches low in Champaign, OH; Park National Bank (Champaign, OH): stress 42, 2 branches low in Champaign, OH; Farmers&Merchants State Bank (Champaign, OH): stress 60, 1 branch low in Champaign, OH; Civista Bank (Champaign, OH): stress 45, 1 branch low in Champaign, OH.
Vacancy and permits, Champaign, OH
1,298 of 16,944 Champaign, OH housing units are vacant; Champaign, OH permits, twelve months: 0 multifamily units in Champaign, OH, 50 one-to-four unit units.
Work Champaign, OH at the parcel level
Every Champaign, OH parcel carries owner and address; every Champaign, OH parcel carries APN; Champaign, OH distress scores sit on the Champaign, OH live board.
Champaign, OH figures refresh with each source.
Champaign, OH questions
Most distressed ZIP code in Champaign County, OH?
ZIP 45502 leads Champaign, OH at 22/100; next in Champaign, OH: 43045 at 21/100; the Champaign, OH average is 13/100.
Where does Champaign County, OH rank for investment opportunity?
Champaign, OH is #2,921 among all ranked counties, #70 in Ohio; the Champaign, OH driver is bank institutional; Champaign, OH moved up 133 places.
How many mortgages are delinquent in Champaign County, OH?
Champaign, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Champaign, OH.
Which banks lend in Champaign County, OH?
5 watched lenders hold Champaign, OH branches; the largest Champaign, OH footprints are First Central Nb Of St Paris (4), Peoples Savings Bank (2), Park National Bank (2).
More on Champaign, OH
Champaign County, OH distress report: public-record figures for Champaign, OH; not legal advice for Champaign, OH; not tax or investment advice; verify every Champaign, OH record before acting.