Hardin County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hardin County, Ohio? DLRadar grades every Hardin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Hardin County breakdown.
- Hardin County's most distressed ZIP is 43331 at 16/100.
- 16 ZIP codes tracked in Hardin County, averaging 10/100 distress.
- Hardin County reads expansion — home values up 6.0% year over year.
- Vacancy runs 10.7% across Hardin County's tracked ZIPs, with a 13.6% poverty rate.
- The typical Hardin County home is worth about $153,607 against a ~$62,833 median income.
- Lending headwind in Hardin County sits at 63/100 — 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 | 43331 | 16/100 |
| 2 | 43332 | 16/100 |
| 3 | 43347 | 16/100 |
| 4 | 43340 | 15/100 |
| 5 | 45850 | 15/100 |
| 6 | 43345 | 13/100 |
| 7 | 45896 | 13/100 |
| 8 | 43310 | 11/100 |
| 9 | 45843 | 11/100 |
| 10 | 45810 | 7/100 |
| 11 | 43326 | 5/100 |
| 12 | 43346 | 5/100 |
Most distressed ZIP codes in Hardin County (composite distress 0-100, 2026)
What is driving Hardin County distress
DLRadar builds Hardin County's distress picture only from records anyone can pull; its ZIPs average 10/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Hardin County market phase and pricing
DLRadar places Hardin County in expansion; prices moved up 6.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Hardin County
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Frequently asked questions
What is the hardest-hit ZIP in Hardin County?
ZIP 43331 leads Hardin County at 16/100, recomputed monthly from public records.
What stage of the price cycle is Hardin County at?
FHFA price-index movement places Hardin County in expansion; prices are up 6.0% over twelve months.
How is the Hardin County data sourced?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 16 ZIP codes in Hardin County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Hardin County ZIP codes?
Averaging the county conceals how uneven it is. Across the Hardin County ZIPs DLRadar ranks, scores run from 16/100 in 43331 down to 5/100 in 43346, against a Hardin County average of 10/100. With 11 points between best and worst, county-level targeting in Hardin County wastes effort.
What do Hardin County home values and vacancy say about distressed supply?
The typical Hardin County home carries about $153,607 of value against a median household income near $62,833. Vacancy across Hardin County's tracked ZIPs runs 10.7% and the poverty rate is 13.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Hardin County's foreclosure and tax-lien filings and its 63/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.