Darke County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Darke County, OH distress report, 2026: 25 ZIPs scored in Darke, OH, Darke, OH average 15/100; the top Darke, OH ZIP is 45309 at 23/100; Darke, OH market phase peak, Darke, OH prices +3.9% year over year.
- Darke, OH ranks #2,832 nationally (opportunity index); Darke, OH #63 in Ohio; Darke, OH index 24.2.
- Darke, OH: no CFPB county sample; Darke, OH non-metro area reading 1.4%.
- Darke, OH ZIP phases: 22 peak, 3 expansion.
- Darke, OH residential listings tracked: 11 across 16 ZIPs; Darke, OH candidate listings 6.
- Darke, OH HUD assisted properties: 2 with 50 units.
- Darke, OH lenders on watch: 8; largest Darke, OH footprint Greenville National Bank (7 branches).
- Darke, OH most distressed ZIP: 45309 at 23/100.
Darke, OH figures: DLRadar distress index; Darke, OH inputs: CFPB, FHFA, HUD, FDIC; Darke, OH rebuilt as sources refresh.
| Rank | Darke, OH ZIP | Score |
|---|---|---|
| 1 | 45309 | 23/100 |
| 2 | 45318 | 20/100 |
| 3 | 45337 | 18/100 |
| 4 | 45308 | 16/100 |
| 5 | 45303 | 15/100 |
| 6 | 45304 | 15/100 |
| 7 | 45328 | 15/100 |
| 8 | 45331 | 15/100 |
| 9 | 45332 | 15/100 |
| 10 | 45338 | 15/100 |
| 11 | 45346 | 15/100 |
| 12 | 45348 | 15/100 |
Most distressed Darke, OH ZIPs (0-100, 2026)
Mortgage delinquency around Darke, OH
No CFPB county sample covers Darke, OH; the non-metro area reading for Darke, OH: 1.4% ninety-plus; Darke, OH area thirty-to-eighty-nine 3.4% (December 2025, Darke, OH); Ohio overall 1.0%.
Opportunity index: Darke, OH
Darke, OH index 24.2, Darke, OH phase weak; Darke, OH primary driver bank institutional, Darke, OH second driver construction. Darke, OH components: property stress 7.1, foreclosure pressure 5.0, listing discounts 30.3, bank stress 52.1, insurance 0.0; Darke, OH pulse 25.0; Darke, OH capital opportunity 23.1.
ZIP market phases inside Darke, OH
25 Darke, OH ZIPs carry a price-cycle phase; Darke, OH ZIPs by phase (Darke, OH), deepest drawdown first: peak, +3.9% YoY (Darke, OH): 45303, 45310, 45328, 45331, Darke, OH 45332, 45346, 45348, 45350, Darke, OH 45351; peak, +4.0% YoY (Darke, OH): 45304; peak, +4.1% YoY (Darke, OH): 45308; peak, +4.6% YoY (Darke, OH): 45309, 45318; peak, +4.3% YoY (Darke, OH): 45337; expansion, +6.0% YoY (Darke, OH): 45338; expansion, +5.4% YoY (Darke, OH): 45347.
Residential listings by Darke, OH ZIP
Darke, OH ZIPs with the most tracked Darke, OH residential listings: 45331 5 listings, 1 candidates, bank pressure 59; 45304 4 listings, 4 candidates, bank pressure 62; 45308 1 listings, 0 candidates, bank pressure 61; 45390 1 listings, 1 candidates, bank pressure 59 (Darke, OH); 45303 0 listings, 0 candidates, bank pressure 59; 45328 0 listings, 0 candidates, bank pressure 59; 45332 0 listings, 0 candidates, bank pressure 59; 45346 0 listings, 0 candidates, bank pressure 59. Darke, OH totals: 11 listings; Darke, OH candidates 6; active ZIPs 4.
HUD assisted housing in Darke, OH
2 assisted properties with 50 units sit in Darke, OH; largest Darke, OH properties: Knollwood Commons (Union City) 30 units, 30 assisted; Birchwood Gardens Apartments (Versailles) 20 units, 20 assisted.
Lenders with branches in Darke, OH
Darke, OH lenders by branch count: Greenville National Bank (Darke, OH): stress 48, 7 branches low in Darke, OH; Park National Bank (Darke, OH): stress 42, 5 branches low in Darke, OH; Farmers State Bank (Darke, OH): stress 59, 3 branches low in Darke, OH; Greenville Federal (Darke, OH): stress 94, 1 branch low in Darke, OH; Osgood Bank (Darke, OH): stress 69, 1 branch low in Darke, OH; U S Bank National Assn (Darke, OH): stress 67, 1 branch low in Darke, OH; Jpmorgan Chase Bank Na (Darke, OH): stress 65, 1 branch low in Darke, OH; Mercer Savings Bank (Darke, OH): stress 64, 1 branch low in Darke, OH.
Vacancy and permits, Darke, OH
1,354 of 22,651 Darke, OH housing units are vacant; Darke, OH permits, twelve months: 9 multifamily units in Darke, OH, 51 one-to-four unit units.
Work Darke, OH at the parcel level
Every Darke, OH parcel carries owner and address; every Darke, OH parcel carries APN; Darke, OH distress scores sit on the Darke, OH live board.
Darke, OH figures refresh with each source.
Darke, OH questions
Most distressed ZIP code in Darke County, OH?
ZIP 45309 leads Darke, OH at 23/100; next in Darke, OH: 45318 at 20/100; the Darke, OH average is 15/100.
Where does Darke County, OH rank for investment opportunity?
Darke, OH is #2,832 among all ranked counties, #63 in Ohio; the Darke, OH driver is bank institutional; Darke, OH moved up 211 places.
How many mortgages are delinquent in Darke County, OH?
Darke, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Darke, OH.
Which banks lend in Darke County, OH?
8 watched lenders hold Darke, OH branches; the largest Darke, OH footprints are Greenville National Bank (7), Park National Bank (5), Farmers State Bank (3).
More on Darke, OH
Darke County, OH distress report: public-record figures for Darke, OH; not legal advice for Darke, OH; not tax or investment advice; verify every Darke, OH record before acting.