Mercer County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mercer County, OH distress report, 2026: 18 ZIPs scored in Mercer, OH, Mercer, OH average 12/100; the top Mercer, OH ZIP is 45845 at 18/100; Mercer, OH market phase peak, Mercer, OH prices +3.9% year over year.
- Mercer, OH ranks #3,194 nationally (opportunity index); Mercer, OH #88 in Ohio; Mercer, OH index 20.3.
- Mercer, OH: no CFPB county sample; Mercer, OH non-metro area reading 1.4%.
- Mercer, OH ZIP phases: 17 peak, 1 expansion.
- Mercer, OH residential listings tracked: 0 across 10 ZIPs; Mercer, OH candidate listings 0.
- Mercer, OH lenders on watch: 8; largest Mercer, OH footprint Peoples Bank Co (6 branches).
- Mercer, OH most distressed ZIP: 45845 at 18/100.
Mercer, OH figures: DLRadar distress index; Mercer, OH inputs: CFPB, FHFA, HUD, FDIC; Mercer, OH rebuilt as sources refresh.
| Rank | Mercer, OH ZIP | Score |
|---|---|---|
| 1 | 45845 | 18/100 |
| 2 | 45865 | 16/100 |
| 3 | 45388 | 15/100 |
| 4 | 45869 | 15/100 |
| 5 | 45885 | 14/100 |
| 6 | 45887 | 14/100 |
| 7 | 45310 | 12/100 |
| 8 | 45822 | 12/100 |
| 9 | 45826 | 12/100 |
| 10 | 45828 | 12/100 |
| 11 | 45846 | 12/100 |
| 12 | 45860 | 12/100 |
Most distressed Mercer, OH ZIPs (0-100, 2026)
Mortgage delinquency around Mercer, OH
No CFPB county sample covers Mercer, OH; the non-metro area reading for Mercer, OH: 1.4% ninety-plus; Mercer, OH area thirty-to-eighty-nine 3.4% (December 2025, Mercer, OH); Ohio overall 1.0%.
Opportunity index: Mercer, OH
Mercer, OH index 20.3, Mercer, OH phase weak; Mercer, OH primary driver bank institutional, Mercer, OH second driver construction. Mercer, OH components: property stress 9.8, foreclosure pressure 8.8, listing discounts 0.4, bank stress 54.9, insurance 0.0; Mercer, OH pulse 26.5; Mercer, OH capital opportunity 11.1.
ZIP market phases inside Mercer, OH
18 Mercer, OH ZIPs carry a price-cycle phase; Mercer, OH ZIPs by phase (Mercer, OH), deepest drawdown first: peak, +3.9% YoY (Mercer, OH): 45310, 45388, 45822, 45826, Mercer, OH 45828, 45845, 45846, 45860, Mercer, OH 45862, 45865, 45866, 45869, Mercer, OH 45882, 45883, 45885; expansion, +7.8% YoY (Mercer, OH): 45887.
Residential listings by Mercer, OH ZIP
Mercer, OH ZIPs with the most tracked Mercer, OH residential listings: 45310 0 listings, 0 candidates, bank pressure 56; 45822 0 listings, 0 candidates, bank pressure 53; 45826 0 listings, 0 candidates, bank pressure 53; 45828 0 listings, 0 candidates, bank pressure 53 (Mercer, OH); 45846 0 listings, 0 candidates, bank pressure 56; 45860 0 listings, 0 candidates, bank pressure 53; 45862 0 listings, 0 candidates, bank pressure 57; 45866 0 listings, 0 candidates, bank pressure 53. Mercer, OH totals: 0 listings; Mercer, OH candidates 0; active ZIPs 0.
Lenders with branches in Mercer, OH
Mercer, OH lenders by branch count: Peoples Bank Co (Mercer, OH): stress 58, 6 branches low in Mercer, OH; Mercer Savings Bank (Mercer, OH): stress 64, 3 branches low in Mercer, OH; First Financial Bank (Mercer, OH): stress 47, 3 branches low in Mercer, OH; St Henry Bank (Mercer, OH): stress 36, 3 branches low in Mercer, OH; Osgood Bank (Mercer, OH): stress 69, 1 branch low in Mercer, OH; Jpmorgan Chase Bank Na (Mercer, OH): stress 65, 1 branch low in Mercer, OH; Citizens Nb Of Bluffton (Mercer, OH): stress 43, 1 branch low in Mercer, OH; Park National Bank (Mercer, OH): stress 42, 1 branch low in Mercer, OH.
Vacancy and permits, Mercer, OH
1,695 of 18,103 Mercer, OH housing units are vacant; Mercer, OH permits, twelve months: 0 multifamily units in Mercer, OH, 96 one-to-four unit units.
Work Mercer, OH at the parcel level
Every Mercer, OH parcel carries owner and address; every Mercer, OH parcel carries APN; Mercer, OH distress scores sit on the Mercer, OH live board.
Mercer, OH figures refresh with each source.
Mercer, OH questions
Most distressed ZIP code in Mercer County, OH?
ZIP 45845 leads Mercer, OH at 18/100; next in Mercer, OH: 45865 at 16/100; the Mercer, OH average is 12/100.
Where does Mercer County, OH rank for investment opportunity?
Mercer, OH is #3,194 among all ranked counties, #88 in Ohio; the Mercer, OH driver is bank institutional; Mercer, OH moved down 282 places.
How many mortgages are delinquent in Mercer County, OH?
Mercer, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Mercer, OH.
Which banks lend in Mercer County, OH?
8 watched lenders hold Mercer, OH branches; the largest Mercer, OH footprints are Peoples Bank Co (6), Mercer Savings Bank (3), First Financial Bank (3).
More on Mercer, OH
Mercer County, OH distress report: public-record figures for Mercer, OH; not legal advice for Mercer, OH; not tax or investment advice; verify every Mercer, OH record before acting.