Miami County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Miami County, OH distress report, 2026: 18 ZIPs scored in Miami, OH, Miami, OH average 20/100; the top Miami, OH ZIP is 45424 at 24/100; Miami, OH market phase peak, Miami, OH prices +4.6% year over year.
- Miami, OH ranks #2,626 nationally (opportunity index); Miami, OH #52 in Ohio; Miami, OH index 25.3.
- Miami, OH: no CFPB county sample; Miami, OH metro area reading 1.1%.
- Miami, OH ZIP phases: 18 peak.
- Miami, OH residential listings tracked: 31 across 11 ZIPs; Miami, OH candidate listings 12.
- Miami, OH HUD assisted properties: 7 with 237 units.
- Miami, OH lenders on watch: 8; largest Miami, OH footprint Fifth Third Bank Na (5 branches).
- Miami, OH most distressed ZIP: 45424 at 24/100.
Miami, OH figures: DLRadar distress index; Miami, OH inputs: CFPB, FHFA, HUD, FDIC; Miami, OH rebuilt as sources refresh.
| Rank | Miami, OH ZIP | Score |
|---|---|---|
| 1 | 45424 | 24/100 |
| 2 | 45309 | 23/100 |
| 3 | 45322 | 23/100 |
| 4 | 45344 | 21/100 |
| 5 | 45312 | 20/100 |
| 6 | 45318 | 20/100 |
| 7 | 45326 | 20/100 |
| 8 | 45339 | 20/100 |
| 9 | 45356 | 20/100 |
| 10 | 45359 | 20/100 |
| 11 | 45361 | 20/100 |
| 12 | 45371 | 20/100 |
Most distressed Miami, OH ZIPs (0-100, 2026)
Mortgage delinquency around Miami, OH
No CFPB county sample covers Miami, OH; the metro area reading for Miami, OH (Dayton-Kettering-Beavercreek, OH): 1.1% ninety-plus; Miami, OH area thirty-to-eighty-nine 2.6% (December 2025, Miami, OH); Ohio overall 1.0%.
Opportunity index: Miami, OH
Miami, OH index 25.3, Miami, OH phase weak; Miami, OH primary driver bank institutional, Miami, OH second driver construction. Miami, OH components: property stress 8.5, foreclosure pressure 6.6, listing discounts 33.1, bank stress 59.1, insurance 0.0; Miami, OH pulse 26.7; Miami, OH capital opportunity 23.1; Miami, OH seven-day change +0.2%.
ZIP market phases inside Miami, OH
18 Miami, OH ZIPs carry a price-cycle phase; Miami, OH ZIPs by phase (Miami, OH), deepest drawdown first: peak, +4.0% YoY (Miami, OH): 45304; peak, +4.1% YoY (Miami, OH): 45308; peak, +4.6% YoY (Miami, OH): 45309, 45312, 45318, 45322, Miami, OH 45326, 45339, 45359, 45361, Miami, OH 45371, 45373; peak, +4.2% YoY (Miami, OH): 45317; peak, +4.3% YoY (Miami, OH): 45337; peak, +2.3% YoY (Miami, OH): 45344; peak, +4.5% YoY (Miami, OH): 45356.
Residential listings by Miami, OH ZIP
Miami, OH ZIPs with the most tracked Miami, OH residential listings: 45356 12 listings, 2 candidates, bank pressure 65; 45373 9 listings, 3 candidates, bank pressure 63; 45371 4 listings, 1 candidates, bank pressure 63; 45318 2 listings, 2 candidates, bank pressure 61 (Miami, OH); 45383 2 listings, 2 candidates, bank pressure 63; 45312 1 listings, 1 candidates, bank pressure 60; 45337 1 listings, 1 candidates, bank pressure 61; 45326 0 listings, 0 candidates, bank pressure 63. Miami, OH totals: 31 listings; Miami, OH candidates 12; active ZIPs 7.
HUD assisted housing in Miami, OH
7 assisted properties with 237 units sit in Miami, OH; largest Miami, OH properties: Garden Manor Apts (Troy) 66 units, 56 assisted; Princeton Village (West Milton) 40 units, 40 assisted; New Staunton Commons , Ltd. (Troy) 36 units, 35 assisted in Miami, OH; Greenville Village (Covington) 35 units, 35 assisted; Roosevelt Manor (Piqua) 30 units, 30 assisted; Sunset Square (Piqua) 30 units, 30 assisted.
Lenders with branches in Miami, OH
Miami, OH lenders by branch count: Fifth Third Bank Na (Miami, OH): stress 62, 5 branches low in Miami, OH; Greenville Federal (Miami, OH): stress 94, 3 branches low in Miami, OH; Jpmorgan Chase Bank Na (Miami, OH): stress 65, 3 branches low in Miami, OH; Park National Bank (Miami, OH): stress 42, 3 branches low in Miami, OH; Monroe Fs&La (Miami, OH): stress 98, 2 branches low in Miami, OH; U S Bank National Assn (Miami, OH): stress 67, 2 branches low in Miami, OH; Greenville National Bank (Miami, OH): stress 48, 2 branches low in Miami, OH; Covington Savings&Loan Assn (Miami, OH): stress 42, 2 branches low in Miami, OH.
Vacancy and permits, Miami, OH
2,320 of 47,226 Miami, OH housing units are vacant; Miami, OH permits, twelve months: 33 multifamily units in Miami, OH, 314 one-to-four unit units.
Work Miami, OH at the parcel level
Every Miami, OH parcel carries owner and address; every Miami, OH parcel carries APN; Miami, OH distress scores sit on the Miami, OH live board.
Miami, OH figures refresh with each source.
Miami, OH questions
Most distressed ZIP code in Miami County, OH?
ZIP 45424 leads Miami, OH at 24/100; next in Miami, OH: 45309 at 23/100; the Miami, OH average is 20/100.
Where does Miami County, OH rank for investment opportunity?
Miami, OH is #2,626 among all ranked counties, #52 in Ohio; the Miami, OH driver is bank institutional; Miami, OH moved up 269 places.
How many mortgages are delinquent in Miami County, OH?
Miami, OH takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Miami, OH.
Which banks lend in Miami County, OH?
8 watched lenders hold Miami, OH branches; the largest Miami, OH footprints are Fifth Third Bank Na (5), Greenville Federal (3), Jpmorgan Chase Bank Na (3).
More on Miami, OH
Miami County, OH distress report: public-record figures for Miami, OH; not legal advice for Miami, OH; not tax or investment advice; verify every Miami, OH record before acting.