Hamilton County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Ohio? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 45013 at 25/100.
- 58 ZIP codes tracked in Hamilton County, averaging 21/100 distress.
- Hamilton County reads peak — home values up 3.5% year over year.
- Vacancy runs 7.3% across Hamilton County's tracked ZIPs, with a 16.5% poverty rate.
- The typical Hamilton County home is worth about $270,220 against a ~$79,673 median income.
- Lending headwind in Hamilton County sits at 40/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45013 | 25/100 |
| 2 | 45069 | 25/100 |
| 3 | 45001 | 21/100 |
| 4 | 45002 | 21/100 |
| 5 | 45030 | 21/100 |
| 6 | 45033 | 21/100 |
| 7 | 45041 | 21/100 |
| 8 | 45051 | 21/100 |
| 9 | 45052 | 21/100 |
| 10 | 45111 | 21/100 |
| 11 | 45174 | 21/100 |
| 12 | 45202 | 21/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Nothing here is estimated: Hamilton County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Hamilton County market phase and pricing
The cycle in Hamilton County is peak, with values up 3.5% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Hamilton County
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Frequently asked
Which part of Hamilton County, OH scores highest for distress?
ZIP 45013 leads Hamilton County at 25/100, recomputed monthly from public records.
How would you describe the Hamilton County market phase?
Hamilton County currently sits in peak, with values up 3.5% year on year, based on FHFA price-index trajectory.
Which datasets feed the Hamilton County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 58 ZIP codes in Hamilton County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Hamilton County ZIP codes?
One county number flattens a wide range. Across the Hamilton County ZIPs DLRadar ranks, scores run from 25/100 in 45013 down to 21/100 in 45202, against a Hamilton County average of 21/100. A spread of 4 points means Hamilton County has to be worked ZIP by ZIP.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $270,220 of value against a median household income near $79,673. Vacancy across Hamilton County's tracked ZIPs runs 7.3% and the poverty rate is 16.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Hamilton County's foreclosure and lien filings and its 40/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.