Miami County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Miami County, Ohio? DLRadar grades every Miami County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Miami County breakdown.
- Miami County's most distressed ZIP is 45309 at 24/100.
- 18 ZIP codes tracked in Miami County, averaging 18/100 distress.
- Miami County reads peak — home values up 4.6% year over year.
- Vacancy runs 5.5% across Miami County's tracked ZIPs, with a 8.4% poverty rate.
- The typical Miami County home is worth about $209,300 against a ~$75,887 median income.
- Lending headwind in Miami County sits at 56/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45309 | 24/100 |
| 2 | 45424 | 24/100 |
| 3 | 45322 | 23/100 |
| 4 | 45371 | 19/100 |
| 5 | 45312 | 18/100 |
| 6 | 45318 | 18/100 |
| 7 | 45326 | 18/100 |
| 8 | 45339 | 18/100 |
| 9 | 45356 | 18/100 |
| 10 | 45359 | 18/100 |
| 11 | 45361 | 18/100 |
| 12 | 45373 | 18/100 |
Most distressed ZIP codes in Miami County (composite distress 0-100, 2026)
What is driving Miami County distress
Miami County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 18/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Miami County market phase and pricing
Miami County reads peak — home prices rose 4.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions about this county
What is the hardest-hit ZIP in Miami County?
ZIP 45309 leads Miami County at 24/100, recomputed monthly from public records.
Where is Miami County in the housing cycle?
The market phase for Miami County is peak, prices rising 4.6% on the year — derived from the FHFA House Price Index path.
Can the Miami County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 18 Miami County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Miami County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Miami County ZIPs DLRadar ranks, scores run from 24/100 in 45309 down to 18/100 in 45373, against a Miami County average of 18/100. That 6-point gap is why acquisition targeting in Miami County works at ZIP level rather than county level.
What do Miami County home values and vacancy say about distressed supply?
The typical Miami County home carries about $209,300 of value against a median household income near $75,887. Vacancy across Miami County's tracked ZIPs runs 5.5% and the poverty rate is 8.4%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Miami County's foreclosure and lien data and its 56/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.