Highland County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Highland County, OH distress report, 2026: 15 ZIPs scored in Highland, OH, Highland, OH average 15/100; the top Highland, OH ZIP is 45118 at 16/100; Highland, OH market phase expansion, Highland, OH prices +6.0% year over year.
- Highland, OH ranks #1,692 nationally (opportunity index); Highland, OH #16 in Ohio; Highland, OH index 28.8.
- Highland, OH: no CFPB county sample; Highland, OH non-metro area reading 1.4%.
- Highland, OH ZIP phases: 9 expansion, 6 peak.
- Highland, OH residential listings tracked: 12 across 7 ZIPs; Highland, OH candidate listings 8.
- Highland, OH HUD assisted properties: 2 with 134 units.
- Highland, OH lenders on watch: 8; largest Highland, OH footprint Merchants National Bank (5 branches).
- Highland, OH most distressed ZIP: 45118 at 16/100.
Highland, OH figures: DLRadar distress index; Highland, OH inputs: CFPB, FHFA, HUD, FDIC; Highland, OH rebuilt as sources refresh.
| Rank | Highland, OH ZIP | Score |
|---|---|---|
| 1 | 45118 | 16/100 |
| 2 | 45154 | 16/100 |
| 3 | 45612 | 16/100 |
| 4 | 45679 | 16/100 |
| 5 | 45132 | 15/100 |
| 6 | 45133 | 15/100 |
| 7 | 45155 | 15/100 |
| 8 | 45171 | 15/100 |
| 9 | 45172 | 15/100 |
| 10 | 45660 | 15/100 |
| 11 | 45697 | 15/100 |
| 12 | 45142 | 14/100 |
Most distressed Highland, OH ZIPs (0-100, 2026)
Mortgage delinquency around Highland, OH
No CFPB county sample covers Highland, OH; the non-metro area reading for Highland, OH: 1.4% ninety-plus; Highland, OH area thirty-to-eighty-nine 3.4% (December 2025, Highland, OH); Ohio overall 1.0%.
Opportunity index: Highland, OH
Highland, OH index 28.8, Highland, OH phase early_signal; Highland, OH primary driver construction, Highland, OH second driver bank institutional. Highland, OH components: property stress 13.0, foreclosure pressure 12.1, listing discounts 30.5, bank stress 63.2, insurance 0.0; Highland, OH pulse 33.2; Highland, OH capital opportunity 22.2.
ZIP market phases inside Highland, OH
15 Highland, OH ZIPs carry a price-cycle phase; Highland, OH ZIPs by phase (Highland, OH), deepest drawdown first: peak, +3.7% YoY (Highland, OH): 45118, 45154; peak, +4.8% YoY (Highland, OH): 45123; expansion, +6.0% YoY (Highland, OH): 45132, 45133, 45155, 45172, Highland, OH 45679; expansion, +5.3% YoY (Highland, OH): 45135; expansion, +5.5% YoY (Highland, OH): 45142; peak, +4.7% YoY (Highland, OH): 45159, 45612; peak, +4.5% YoY (Highland, OH): 45171; expansion, +5.9% YoY (Highland, OH): 45660; expansion, +5.1% YoY (Highland, OH): 45697.
Residential listings by Highland, OH ZIP
Highland, OH ZIPs with the most tracked Highland, OH residential listings: 45133 8 listings, 5 candidates, bank pressure 65; 45123 3 listings, 3 candidates, bank pressure 63; 45135 1 listings, 0 candidates, bank pressure 63; 45132 0 listings, 0 candidates, bank pressure 65 (Highland, OH); 45142 0 listings, 0 candidates, bank pressure 64; 45155 0 listings, 0 candidates, bank pressure 65; 45172 0 listings, 0 candidates, bank pressure 65. Highland, OH totals: 12 listings; Highland, OH candidates 8; active ZIPs 3.
HUD assisted housing in Highland, OH
2 assisted properties with 134 units sit in Highland, OH; largest Highland, OH properties: Cedar Woods (Hillsboro) 94 units, 94 assisted; Greenfield Meadows (Greenfield) 40 units, 40 assisted.
Lenders with branches in Highland, OH
Highland, OH lenders by branch count: Merchants National Bank (Highland, OH): stress 69, 5 branches low in Highland, OH; Southern Hills Cmty Bank (Highland, OH): stress 67, 4 branches low in Highland, OH; First State Bank (Highland, OH): stress 73, 1 branch low in Highland, OH; Community Savings Bank (Highland, OH): stress 69, 1 branch low in Highland, OH; U S Bank National Assn (Highland, OH): stress 67, 1 branch low in Highland, OH; Fifth Third Bank Na (Highland, OH): stress 62, 1 branch low in Highland, OH; National Coop Bank N A (Highland, OH): stress 59, 1 branch low in Highland, OH; Wilmington Savings Bank (Highland, OH): stress 59, 1 branch low in Highland, OH.
Vacancy and permits, Highland, OH
2,098 of 19,036 Highland, OH housing units are vacant; Highland, OH permits, twelve months: 9 multifamily units in Highland, OH, 45 one-to-four unit units.
Work Highland, OH at the parcel level
Every Highland, OH parcel carries owner and address; every Highland, OH parcel carries APN; Highland, OH distress scores sit on the Highland, OH live board.
Highland, OH figures refresh with each source.
Highland, OH questions
Most distressed ZIP code in Highland County, OH?
ZIP 45118 leads Highland, OH at 16/100; next in Highland, OH: 45154 at 16/100; the Highland, OH average is 15/100.
Where does Highland County, OH rank for investment opportunity?
Highland, OH is #1,692 among all ranked counties, #16 in Ohio; the Highland, OH driver is construction; Highland, OH moved down 151 places.
How many mortgages are delinquent in Highland County, OH?
Highland, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Highland, OH.
Which banks lend in Highland County, OH?
8 watched lenders hold Highland, OH branches; the largest Highland, OH footprints are Merchants National Bank (5), Southern Hills Cmty Bank (4), First State Bank (1).
More on Highland, OH
Highland County, OH distress report: public-record figures for Highland, OH; not legal advice for Highland, OH; not tax or investment advice; verify every Highland, OH record before acting.