Hamilton County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hamilton County, OH distress report, 2026: 58 ZIPs scored in Hamilton, OH, Hamilton, OH average 27/100; the top Hamilton, OH ZIP is 45001 at 27/100; Hamilton, OH market phase peak, Hamilton, OH prices +3.5% year over year.
- Hamilton, OH ranks #2,840 nationally (opportunity index); Hamilton, OH #63 in Ohio; Hamilton, OH index 24.2.
- Hamilton, OH ninety-day mortgage delinquency 0.9% in December 2025; Hamilton, OH twelve-month change +0.3%.
- Hamilton, OH ZIP phases: 58 peak.
- Hamilton, OH residential listings tracked: 200 across 54 ZIPs; Hamilton, OH candidate listings 70.
- Hamilton, OH HUD assisted properties: 67 with 5,603 units.
- Hamilton, OH lenders on watch: 8; largest Hamilton, OH footprint Fifth Third Bank Na (43 branches).
- Hamilton, OH most distressed ZIP: 45001 at 27/100.
Hamilton, OH figures: DLRadar distress index; Hamilton, OH inputs: CFPB, FHFA, HUD, FDIC; Hamilton, OH rebuilt as sources refresh.
| Rank | Hamilton, OH ZIP | Score |
|---|---|---|
| 1 | 45001 | 27/100 |
| 2 | 45002 | 27/100 |
| 3 | 45030 | 27/100 |
| 4 | 45033 | 27/100 |
| 5 | 45041 | 27/100 |
| 6 | 45051 | 27/100 |
| 7 | 45052 | 27/100 |
| 8 | 45111 | 27/100 |
| 9 | 45174 | 27/100 |
| 10 | 45202 | 27/100 |
| 11 | 45203 | 27/100 |
| 12 | 45204 | 27/100 |
Most distressed Hamilton, OH ZIPs (0-100, 2026)
Mortgage delinquency in Hamilton, OH
0.9% of Hamilton, OH mortgages were ninety-plus days late (Hamilton, OH, December 2025); Hamilton, OH thirty-to-eighty-nine days late: 2.0%; Hamilton, OH twelve-month change +0.3%; Hamilton, OH peak since 2008: 4.0% (January 2010); Ohio overall 1.0%. Hamilton, OH ninety-day series: Dec 24 0.6, Jan 25 0.9, Feb 25 0.9 (Hamilton, OH), Mar 25 0.7, Apr 25 0.7, May 25 1.0 (Hamilton, OH), Jun 25 0.9, Jul 25 0.9, Aug 25 0.9 (Hamilton, OH), Sep 25 0.9, Oct 25 0.9, Nov 25 0.9 (Hamilton, OH), Dec 25 0.9.
Opportunity index: Hamilton, OH
Hamilton, OH index 24.2, Hamilton, OH phase weak; Hamilton, OH primary driver bank institutional, Hamilton, OH second driver vacancy. Hamilton, OH components: property stress 13.9, foreclosure pressure 11.3, listing discounts 30.5, bank stress 53.6, insurance 0.0; Hamilton, OH pulse 24.0; Hamilton, OH capital opportunity 24.4; Hamilton, OH seven-day change +0.7%.
ZIP market phases inside Hamilton, OH
58 Hamilton, OH ZIPs carry a price-cycle phase; Hamilton, OH ZIPs by phase (Hamilton, OH), deepest drawdown first: peak, +3.5% YoY (Hamilton, OH): 45001, 45002, 45013, 45030, Hamilton, OH 45033, 45041, 45051, 45052, Hamilton, OH 45069, 45111, 45140, 45150, Hamilton, OH 45174, 45202, 45203, 45204.
Residential listings by Hamilton, OH ZIP
Hamilton, OH ZIPs with the most tracked Hamilton, OH residential listings: 45238 15 listings, 4 candidates, bank pressure 57; 45230 12 listings, 3 candidates, bank pressure 57; 45211 11 listings, 4 candidates, bank pressure 57; 45231 9 listings, 2 candidates, bank pressure 57 (Hamilton, OH); 45255 9 listings, 4 candidates, bank pressure 57; 45205 8 listings, 3 candidates, bank pressure 57; 45242 8 listings, 2 candidates, bank pressure 57; 45251 8 listings, 2 candidates, bank pressure 57. Hamilton, OH totals: 200 listings; Hamilton, OH candidates 70; active ZIPs 43.
HUD assisted housing in Hamilton, OH
67 assisted properties with 5,603 units sit in Hamilton, OH; largest Hamilton, OH properties: Villages At Roll Hill (Cincinnati) 703 units, 703 assisted; Gateway Plaza (Cincinnati) 348 units, 348 assisted; One Lytle Place (Cincinnati) 267 units in Hamilton, OH; Mills Run Apartments (Cincinnati) 212 units; Hillcrest Elderly (Cincinnati) 204 units, 200 assisted; Walnut Hills Apts. (Cincinnati) 198 units, 197 assisted.
Lenders with branches in Hamilton, OH
Hamilton, OH lenders by branch count: Fifth Third Bank Na (Hamilton, OH): stress 62, 43 branches low in Hamilton, OH; U S Bank National Assn (Hamilton, OH): stress 67, 25 branches low in Hamilton, OH; First Financial Bank (Hamilton, OH): stress 47, 20 branches moderate in Hamilton, OH; Jpmorgan Chase Bank Na (Hamilton, OH): stress 65, 15 branches low in Hamilton, OH; Huntington National Bank (Hamilton, OH): stress 63, 14 branches low in Hamilton, OH; Keybank National Assn (Hamilton, OH): stress 65, 9 branches moderate in Hamilton, OH; Union Savings Bank (Hamilton, OH): stress 50, 9 branches low in Hamilton, OH; North Side Bank&Trust Co (Hamilton, OH): stress 72, 8 branches low in Hamilton, OH.
Vacancy and permits, Hamilton, OH
26,617 of 381,356 Hamilton, OH housing units are vacant; Hamilton, OH permits, twelve months: 1,019 multifamily units in Hamilton, OH, 660 one-to-four unit units.
Work Hamilton, OH at the parcel level
Every Hamilton, OH parcel carries owner and address; every Hamilton, OH parcel carries APN; Hamilton, OH distress scores sit on the Hamilton, OH live board.
Hamilton, OH figures refresh with each source.
Hamilton, OH questions
Most distressed ZIP code in Hamilton County, OH?
ZIP 45001 leads Hamilton, OH at 27/100; next in Hamilton, OH: 45002 at 27/100; the Hamilton, OH average is 27/100.
Where does Hamilton County, OH rank for investment opportunity?
Hamilton, OH is #2,840 among all ranked counties, #63 in Ohio; the Hamilton, OH driver is bank institutional; Hamilton, OH moved up 284 places.
How many mortgages are delinquent in Hamilton County, OH?
0.9% of Hamilton, OH mortgages were ninety-plus days late in December 2025; the Hamilton, OH peak since 2008 was 4.0%.
Which banks lend in Hamilton County, OH?
8 watched lenders hold Hamilton, OH branches; the largest Hamilton, OH footprints are Fifth Third Bank Na (43), U S Bank National Assn (25), First Financial Bank (20).
More on Hamilton, OH
Hamilton County, OH distress report: public-record figures for Hamilton, OH; not legal advice for Hamilton, OH; not tax or investment advice; verify every Hamilton, OH record before acting.