Darke County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Darke County, Ohio? DLRadar grades every Darke County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Darke County breakdown.
- Darke County's most distressed ZIP is 45309 at 24/100.
- 25 ZIP codes tracked in Darke County, averaging 15/100 distress.
- Darke County reads peak — home values up 3.9% year over year.
- Vacancy runs 6.2% across Darke County's tracked ZIPs, with a 8.3% poverty rate.
- The typical Darke County home is worth about $190,076 against a ~$70,928 median income.
- Lending headwind in Darke County sits at 28/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45309 | 24/100 |
| 2 | 45318 | 18/100 |
| 3 | 45337 | 17/100 |
| 4 | 45304 | 15/100 |
| 5 | 45308 | 15/100 |
| 6 | 45380 | 15/100 |
| 7 | 45388 | 15/100 |
| 8 | 45303 | 14/100 |
| 9 | 45328 | 14/100 |
| 10 | 45331 | 14/100 |
| 11 | 45332 | 14/100 |
| 12 | 45338 | 14/100 |
Most distressed ZIP codes in Darke County (composite distress 0-100, 2026)
What is driving Darke County distress
Nothing here is estimated: Darke County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Darke County market phase and pricing
Darke County currently sits in peak after a 3.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
Which Darke County ZIP scores worst for distress?
ZIP 45309 leads Darke County at 24/100, recomputed monthly from public records.
Where is Darke County in the housing cycle?
The market phase for Darke County is peak, prices rising 3.9% on the year — derived from the FHFA House Price Index path.
What is this Darke County analysis built from?
Each Darke County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 25 local ZIPs and every other county in the country.
How much do distress scores vary between Darke County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Darke County ZIPs DLRadar ranks, scores run from 24/100 in 45309 down to 14/100 in 45338, against a Darke County average of 15/100. Those 10 points separate the ZIPs worth working in Darke County from the rest.
What do Darke County home values and vacancy say about distressed supply?
The typical Darke County home carries about $190,076 of value against a median household income near $70,928. Vacancy across Darke County's tracked ZIPs runs 6.2% and the poverty rate is 8.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Darke County's foreclosure and tax-lien filings and its 28/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.