Holmes County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Holmes County, Ohio? DLRadar grades every Holmes County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Holmes County breakdown.
- Holmes County's most distressed ZIP is 44624 at 19/100.
- 19 ZIP codes tracked in Holmes County, averaging 16/100 distress.
- Holmes County reads expansion — home values up 6.0% year over year.
- Vacancy runs 11.1% across Holmes County's tracked ZIPs, with a 8.4% poverty rate.
- The typical Holmes County home is worth about $212,340 against a ~$78,450 median income.
- Lending headwind in Holmes County sits at 64/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 44624 | 19/100 |
| 2 | 44676 | 19/100 |
| 3 | 44681 | 19/100 |
| 4 | 43804 | 18/100 |
| 5 | 44627 | 17/100 |
| 6 | 44610 | 16/100 |
| 7 | 44628 | 16/100 |
| 8 | 44633 | 16/100 |
| 9 | 44660 | 16/100 |
| 10 | 44661 | 16/100 |
| 11 | 44687 | 16/100 |
| 12 | 44690 | 16/100 |
Most distressed ZIP codes in Holmes County (composite distress 0-100, 2026)
What is driving Holmes County distress
The Holmes County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 16/100 ZIP average. No proprietary or modelled inputs enter the score.
Holmes County market phase and pricing
Holmes County currently sits in expansion after a 6.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Holmes County
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Questions and answers
Which part of Holmes County, OH scores highest for distress?
ZIP 44624 leads Holmes County at 19/100, recomputed monthly from public records.
Where is Holmes County in the housing cycle?
FHFA price-index movement places Holmes County in expansion; prices are up 6.0% over twelve months.
How is the Holmes County data sourced?
Every Holmes County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 19 Holmes County ZIP codes that it runs on every other U.S. county, so Holmes County's numbers are directly comparable to any other market.
How much do distress scores vary between Holmes County ZIP codes?
Averaging the county conceals how uneven it is. Across the Holmes County ZIPs DLRadar ranks, scores run from 19/100 in 44624 down to 16/100 in 44690, against a Holmes County average of 16/100. Those 3 points separate the ZIPs worth working in Holmes County from the rest.
What do Holmes County home values and vacancy say about distressed supply?
The typical Holmes County home carries about $212,340 of value against a median household income near $78,450. Vacancy across Holmes County's tracked ZIPs runs 11.1% and the poverty rate is 8.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Holmes County's foreclosure and lien filings and its 64/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.