Champaign County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Champaign County, Ohio? DLRadar grades every Champaign County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Champaign County breakdown.
- Champaign County's most distressed ZIP is 43045 at 22/100.
- 18 ZIP codes tracked in Champaign County, averaging 13/100 distress.
- Champaign County reads peak — home values up 3.9% year over year.
- Vacancy runs 7.1% across Champaign County's tracked ZIPs, with a 6% poverty rate.
- The typical Champaign County home is worth about $218,075 against a ~$74,519 median income.
- Lending headwind in Champaign County sits at 25/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 43045 | 22/100 |
| 2 | 45312 | 18/100 |
| 3 | 45344 | 17/100 |
| 4 | 45365 | 17/100 |
| 5 | 43060 | 16/100 |
| 6 | 45502 | 16/100 |
| 7 | 43318 | 15/100 |
| 8 | 43343 | 15/100 |
| 9 | 45317 | 15/100 |
| 10 | 43357 | 14/100 |
| 11 | 43084 | 11/100 |
| 12 | 43044 | 10/100 |
Most distressed ZIP codes in Champaign County (composite distress 0-100, 2026)
What is driving Champaign County distress
Champaign County's placement in the national index rests on public filings — a 13/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Champaign County market phase and pricing
Phase for Champaign County: peak (+3.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Champaign County
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Common questions
What is the most distressed ZIP code in Champaign County, OH?
ZIP 43045 leads Champaign County at 22/100, recomputed monthly from public records.
Is Champaign County expanding or contracting?
Champaign County is classified peak with a 3.9% year-over-year increase, following the FHFA House Price Index.
Where does the Champaign County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 18 Champaign County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Champaign County ZIP codes?
A county average hides the spread. Across the Champaign County ZIPs DLRadar ranks, scores run from 22/100 in 43045 down to 10/100 in 43044, against a Champaign County average of 13/100. The 12-point range is the argument for ZIP-level search across Champaign County.
What do Champaign County home values and vacancy say about distressed supply?
The typical Champaign County home carries about $218,075 of value against a median household income near $74,519. Vacancy across Champaign County's tracked ZIPs runs 7.1% and the poverty rate is 6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Champaign County's foreclosure and tax-lien record and its 25/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.