Lake County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Ohio? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 44045 at 24/100.
- 11 ZIP codes tracked in Lake County, averaging 22/100 distress.
- Lake County reads peak — home values up 3.8% year over year.
- Vacancy runs 6.5% across Lake County's tracked ZIPs, with a 8% poverty rate.
- The typical Lake County home is worth about $222,291 against a ~$79,721 median income.
- Lending headwind in Lake County sits at 64/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 44045 | 24/100 |
| 2 | 44077 | 24/100 |
| 3 | 44081 | 24/100 |
| 4 | 44092 | 24/100 |
| 5 | 44095 | 24/100 |
| 6 | 44057 | 23/100 |
| 7 | 44060 | 23/100 |
| 8 | 44094 | 23/100 |
| 9 | 44041 | 20/100 |
| 10 | 44086 | 17/100 |
| 11 | 44024 | 16/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County's placement in the national index rests on public filings — a 22/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Lake County market phase and pricing
Phase for Lake County: peak (+3.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Lake County
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What people ask
Which Lake County ZIP scores worst for distress?
ZIP 44045 leads Lake County at 24/100, recomputed monthly from public records.
How would you describe the Lake County market phase?
The market phase for Lake County is peak, prices rising 3.8% on the year — derived from the FHFA House Price Index path.
Can the Lake County figures be verified?
Each Lake County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 11 local ZIPs and every other county in the country.
How much do distress scores vary between Lake County ZIP codes?
The county figure is a blend, not a description. Across the Lake County ZIPs DLRadar ranks, scores run from 24/100 in 44045 down to 16/100 in 44024, against a Lake County average of 22/100. With 8 points between best and worst, county-level targeting in Lake County wastes effort.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $222,291 of value against a median household income near $79,721. Vacancy across Lake County's tracked ZIPs runs 6.5% and the poverty rate is 8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Lake County's foreclosure and tax-lien filings and its 64/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.