Lucas County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lucas County, OH distress report, 2026: 30 ZIPs scored in Lucas, OH, Lucas, OH average 25/100; the top Lucas, OH ZIP is 43434 at 26/100; Lucas, OH market phase peak, Lucas, OH prices +3.0% year over year.
- Lucas, OH ranks #1,405 nationally (opportunity index); Lucas, OH #9 in Ohio; Lucas, OH index 29.7.
- Lucas, OH ninety-day mortgage delinquency 1.5% in December 2025; Lucas, OH twelve-month change +0.3%.
- Lucas, OH ZIP phases: 28 peak, 2 expansion.
- Lucas, OH residential listings tracked: 167 across 26 ZIPs; Lucas, OH candidate listings 24.
- Lucas, OH HUD assisted properties: 63 with 4,675 units.
- Lucas, OH lenders on watch: 8; largest Lucas, OH footprint Huntington National Bank (16 branches).
- Lucas, OH most distressed ZIP: 43434 at 26/100.
Lucas, OH figures: DLRadar distress index; Lucas, OH inputs: CFPB, FHFA, HUD, FDIC; Lucas, OH rebuilt as sources refresh.
| Rank | Lucas, OH ZIP | Score |
|---|---|---|
| 1 | 43434 | 26/100 |
| 2 | 43504 | 26/100 |
| 3 | 43528 | 26/100 |
| 4 | 43537 | 26/100 |
| 5 | 43542 | 26/100 |
| 6 | 43547 | 26/100 |
| 7 | 43560 | 26/100 |
| 8 | 43566 | 26/100 |
| 9 | 43571 | 26/100 |
| 10 | 43604 | 26/100 |
| 11 | 43605 | 26/100 |
| 12 | 43606 | 26/100 |
Most distressed Lucas, OH ZIPs (0-100, 2026)
Mortgage delinquency in Lucas, OH
1.5% of Lucas, OH mortgages were ninety-plus days late (Lucas, OH, December 2025); Lucas, OH thirty-to-eighty-nine days late: 3.2%; Lucas, OH twelve-month change +0.3%; Lucas, OH peak since 2008: 4.5% (December 2009); Ohio overall 1.0%. Lucas, OH ninety-day series: Dec 24 1.2, Jan 25 0.9, Feb 25 0.8 (Lucas, OH), Mar 25 0.8, Apr 25 0.9, May 25 1.0 (Lucas, OH), Jun 25 1.0, Jul 25 0.9, Aug 25 1.0 (Lucas, OH), Sep 25 1.1, Oct 25 1.1, Nov 25 1.2 (Lucas, OH), Dec 25 1.5.
Opportunity index: Lucas, OH
Lucas, OH index 29.7, Lucas, OH phase early_signal; Lucas, OH primary driver construction, Lucas, OH second driver bank institutional. Lucas, OH components: property stress 12.0, foreclosure pressure 10.4, listing discounts 39.4, bank stress 59.6, insurance 0.0; Lucas, OH pulse 31.9; Lucas, OH capital opportunity 26.4; Lucas, OH seven-day change +0.4%.
ZIP market phases inside Lucas, OH
30 Lucas, OH ZIPs carry a price-cycle phase; Lucas, OH ZIPs by phase (Lucas, OH), deepest drawdown first: peak, +4.1% YoY (Lucas, OH): 43412; peak, +3.0% YoY (Lucas, OH): 43434, 43504, 43522, 43528, Lucas, OH 43537, 43542, 43547, 43558, Lucas, OH 43560, 43566, 43571, 43604, Lucas, OH 43605; expansion, +5.4% YoY (Lucas, OH): 43445; expansion, +5.8% YoY (Lucas, OH): 43532.
Residential listings by Lucas, OH ZIP
Lucas, OH ZIPs with the most tracked Lucas, OH residential listings: 43607 17 listings, 4 candidates, bank pressure 62; 43612 17 listings, 0 candidates, bank pressure 62; 43613 17 listings, 1 candidates, bank pressure 62; 43611 16 listings, 6 candidates, bank pressure 62 (Lucas, OH); 43606 15 listings, 3 candidates, bank pressure 62; 43605 13 listings, 0 candidates, bank pressure 63; 43615 13 listings, 1 candidates, bank pressure 62; 43623 13 listings, 0 candidates, bank pressure 62. Lucas, OH totals: 167 listings; Lucas, OH candidates 24; active ZIPs 18.
HUD assisted housing in Lucas, OH
63 assisted properties with 4,675 units sit in Lucas, OH; largest Lucas, OH properties: New Heritage Village I (Toledo) 250 units, 250 assisted; Northgate Apartments (Toledo) 230 units, 229 assisted; Oakwood Gardens (Toledo) 168 units, 168 assisted in Lucas, OH; Vistula Heritage Ii (Toledo) 165 units, 165 assisted; Covenant House (Toledo) 156 units, 143 assisted; Sylvan Lakes Apartments (Sylvania) 156 units.
Lenders with branches in Lucas, OH
Lucas, OH lenders by branch count: Huntington National Bank (Lucas, OH): stress 63, 16 branches low in Lucas, OH; Keybank National Assn (Lucas, OH): stress 65, 15 branches low in Lucas, OH; Fifth Third Bank Na (Lucas, OH): stress 62, 15 branches low in Lucas, OH; Genoa Banking Co (Lucas, OH): stress 83, 4 branches low in Lucas, OH; Jpmorgan Chase Bank Na (Lucas, OH): stress 65, 4 branches low in Lucas, OH; Farmers&Merchants State Bank (Lucas, OH): stress 60, 4 branches low in Lucas, OH; First Fs&La (Lucas, OH): stress 48, 4 branches low in Lucas, OH; Croghan Colonial Bank (Lucas, OH): stress 67, 3 branches low in Lucas, OH.
Vacancy and permits, Lucas, OH
17,755 of 200,998 Lucas, OH housing units are vacant; Lucas, OH permits, twelve months: 0 multifamily units in Lucas, OH, 278 one-to-four unit units.
Work Lucas, OH at the parcel level
Every Lucas, OH parcel carries owner and address; every Lucas, OH parcel carries APN; Lucas, OH distress scores sit on the Lucas, OH live board.
Lucas, OH figures refresh with each source.
Lucas, OH questions
Most distressed ZIP code in Lucas County, OH?
ZIP 43434 leads Lucas, OH at 26/100; next in Lucas, OH: 43504 at 26/100; the Lucas, OH average is 25/100.
Where does Lucas County, OH rank for investment opportunity?
Lucas, OH is #1,405 among all ranked counties, #9 in Ohio; the Lucas, OH driver is construction; Lucas, OH moved up 453 places.
How many mortgages are delinquent in Lucas County, OH?
1.5% of Lucas, OH mortgages were ninety-plus days late in December 2025; the Lucas, OH peak since 2008 was 4.5%.
Which banks lend in Lucas County, OH?
8 watched lenders hold Lucas, OH branches; the largest Lucas, OH footprints are Huntington National Bank (16), Keybank National Assn (15), Fifth Third Bank Na (15).
More on Lucas, OH
Lucas County, OH distress report: public-record figures for Lucas, OH; not legal advice for Lucas, OH; not tax or investment advice; verify every Lucas, OH record before acting.