Mercer County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mercer County, Ohio? DLRadar grades every Mercer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Mercer County breakdown.
- Mercer County's most distressed ZIP is 45845 at 17/100.
- 18 ZIP codes tracked in Mercer County, averaging 12/100 distress.
- Mercer County reads peak — home values up 3.9% year over year.
- Vacancy runs 7% across Mercer County's tracked ZIPs, with a 5.3% poverty rate.
- The typical Mercer County home is worth about $222,333 against a ~$80,252 median income.
- Lending headwind in Mercer County sits at 31/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45845 | 17/100 |
| 2 | 45388 | 15/100 |
| 3 | 45865 | 15/100 |
| 4 | 45869 | 14/100 |
| 5 | 45885 | 14/100 |
| 6 | 45887 | 14/100 |
| 7 | 45310 | 13/100 |
| 8 | 45822 | 12/100 |
| 9 | 45826 | 12/100 |
| 10 | 45828 | 12/100 |
| 11 | 45846 | 12/100 |
| 12 | 45860 | 12/100 |
Most distressed ZIP codes in Mercer County (composite distress 0-100, 2026)
What is driving Mercer County distress
DLRadar builds Mercer County's distress picture only from records anyone can pull; its ZIPs average 12/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Mercer County market phase and pricing
Mercer County reads peak — home prices rose 3.9% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Mercer County
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Common questions
Which ZIP code leads Mercer County on distress?
ZIP 45845 leads Mercer County at 17/100, recomputed monthly from public records.
Is Mercer County expanding or contracting?
The market phase for Mercer County is peak, prices rising 3.9% on the year — derived from the FHFA House Price Index path.
Can the Mercer County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 18 ZIP codes in Mercer County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Mercer County ZIP codes?
A single county score papers over real variation. Across the Mercer County ZIPs DLRadar ranks, scores run from 17/100 in 45845 down to 12/100 in 45860, against a Mercer County average of 12/100. With 5 points between best and worst, county-level targeting in Mercer County wastes effort.
What do Mercer County home values and vacancy say about distressed supply?
The typical Mercer County home carries about $222,333 of value against a median household income near $80,252. Vacancy across Mercer County's tracked ZIPs runs 7% and the poverty rate is 5.3%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Mercer County's foreclosure and tax-lien filings and its 31/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.