Gallia County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gallia County, OH distress report, 2026: 12 ZIPs scored in Gallia, OH, Gallia, OH average 19/100; the top Gallia, OH ZIP is 45614 at 22/100; Gallia, OH market phase peak, Gallia, OH prices +3.9% year over year.
- Gallia, OH ranks #748 nationally (opportunity index); Gallia, OH #2 in Ohio; Gallia, OH index 32.2.
- Gallia, OH: no CFPB county sample; Gallia, OH non-metro area reading 1.4%.
- Gallia, OH ZIP phases: 7 peak, 5 expansion.
- Gallia, OH residential listings tracked: 14 across 7 ZIPs; Gallia, OH candidate listings 8.
- Gallia, OH lenders on watch: 4; largest Gallia, OH footprint Ohio Valley Bank Co (6 branches).
- Gallia, OH most distressed ZIP: 45614 at 22/100.
Gallia, OH figures: DLRadar distress index; Gallia, OH inputs: CFPB, FHFA, HUD, FDIC; Gallia, OH rebuilt as sources refresh.
| Rank | Gallia, OH ZIP | Score |
|---|---|---|
| 1 | 45614 | 22/100 |
| 2 | 45620 | 22/100 |
| 3 | 45631 | 22/100 |
| 4 | 45674 | 22/100 |
| 5 | 45760 | 22/100 |
| 6 | 45658 | 21/100 |
| 7 | 45623 | 20/100 |
| 8 | 45688 | 20/100 |
| 9 | 45678 | 19/100 |
| 10 | 45656 | 12/100 |
| 11 | 45685 | 12/100 |
| 12 | 45686 | 12/100 |
Most distressed Gallia, OH ZIPs (0-100, 2026)
Mortgage delinquency around Gallia, OH
No CFPB county sample covers Gallia, OH; the non-metro area reading for Gallia, OH: 1.4% ninety-plus; Gallia, OH area thirty-to-eighty-nine 3.4% (December 2025, Gallia, OH); Ohio overall 1.0%.
Opportunity index: Gallia, OH
Gallia, OH index 32.2, Gallia, OH phase watchlist; Gallia, OH primary driver construction, Gallia, OH second driver vacancy. Gallia, OH components: property stress 15.3, foreclosure pressure 14.6, listing discounts 36.4, bank stress 46.8, insurance 0.0; Gallia, OH pulse 34.8; Gallia, OH capital opportunity 28.3; Gallia, OH seven-day change +0.1%.
ZIP market phases inside Gallia, OH
12 Gallia, OH ZIPs carry a price-cycle phase; Gallia, OH ZIPs by phase (Gallia, OH), deepest drawdown first: peak, +3.9% YoY (Gallia, OH): 45614, 45631, 45674; peak, +4.0% YoY (Gallia, OH): 45620, 45658; peak, +4.2% YoY (Gallia, OH): 45623; expansion, +5.8% YoY (Gallia, OH): 45656, 45760; expansion, +6.7% YoY (Gallia, OH): 45678; expansion, +5.3% YoY (Gallia, OH): 45685; peak, +4.7% YoY (Gallia, OH): 45686; expansion, +7.2% YoY (Gallia, OH): 45688.
Residential listings by Gallia, OH ZIP
Gallia, OH ZIPs with the most tracked Gallia, OH residential listings: 45631 6 listings, 4 candidates, bank pressure 63; 45686 5 listings, 2 candidates, bank pressure 65; 45620 2 listings, 2 candidates, bank pressure 65; 45614 1 listings, 0 candidates, bank pressure 63 (Gallia, OH); 45623 0 listings, 0 candidates, bank pressure 60; 45658 0 listings, 0 candidates, bank pressure 60; 45674 0 listings, 0 candidates, bank pressure 63. Gallia, OH totals: 14 listings; Gallia, OH candidates 8; active ZIPs 1.
Lenders with branches in Gallia, OH
Gallia, OH lenders by branch count: Ohio Valley Bank Co (Gallia, OH): stress 73, 6 branches low in Gallia, OH; Farmers Bank&Savings Co (Gallia, OH): stress 77, 2 branches low in Gallia, OH; U S Bank National Assn (Gallia, OH): stress 67, 1 branch low in Gallia, OH; Peoples Bank (Gallia, OH): stress 55, 1 branch low in Gallia, OH.
Vacancy and permits, Gallia, OH
1,850 of 13,464 Gallia, OH housing units are vacant; Gallia, OH permits, twelve months: 0 multifamily units in Gallia, OH, 2 one-to-four unit units.
Work Gallia, OH at the parcel level
Every Gallia, OH parcel carries owner and address; every Gallia, OH parcel carries APN; Gallia, OH distress scores sit on the Gallia, OH live board.
Gallia, OH figures refresh with each source.
Gallia, OH questions
Most distressed ZIP code in Gallia County, OH?
ZIP 45614 leads Gallia, OH at 22/100; next in Gallia, OH: 45620 at 22/100; the Gallia, OH average is 19/100.
Where does Gallia County, OH rank for investment opportunity?
Gallia, OH is #748 among all ranked counties, #2 in Ohio; the Gallia, OH driver is construction; Gallia, OH moved up 419 places.
How many mortgages are delinquent in Gallia County, OH?
Gallia, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Gallia, OH.
Which banks lend in Gallia County, OH?
4 watched lenders hold Gallia, OH branches; the largest Gallia, OH footprints are Ohio Valley Bank Co (6), Farmers Bank&Savings Co (2), U S Bank National Assn (1).
More on Gallia, OH
Gallia County, OH distress report: public-record figures for Gallia, OH; not legal advice for Gallia, OH; not tax or investment advice; verify every Gallia, OH record before acting.