Montgomery County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, OH distress report, 2026: 42 ZIPs scored in Montgomery, OH, Montgomery, OH average 23/100; the top Montgomery, OH ZIP is 45042 at 25/100; Montgomery, OH market phase peak, Montgomery, OH prices +4.6% year over year.
- Montgomery, OH ranks #1,580 nationally (opportunity index); Montgomery, OH #13 in Ohio; Montgomery, OH index 29.1.
- Montgomery, OH ninety-day mortgage delinquency 1.3% in December 2025; Montgomery, OH twelve-month change +0.2%.
- Montgomery, OH ZIP phases: 40 peak, 2 expansion.
- Montgomery, OH residential listings tracked: 362 across 32 ZIPs; Montgomery, OH candidate listings 226.
- Montgomery, OH HUD assisted properties: 45 with 3,082 units.
- Montgomery, OH lenders on watch: 8; largest Montgomery, OH footprint Fifth Third Bank Na (16 branches).
- Montgomery, OH most distressed ZIP: 45042 at 25/100.
Montgomery, OH figures: DLRadar distress index; Montgomery, OH inputs: CFPB, FHFA, HUD, FDIC; Montgomery, OH rebuilt as sources refresh.
| Rank | Montgomery, OH ZIP | Score |
|---|---|---|
| 1 | 45042 | 25/100 |
| 2 | 45315 | 24/100 |
| 3 | 45325 | 24/100 |
| 4 | 45342 | 24/100 |
| 5 | 45345 | 24/100 |
| 6 | 45354 | 24/100 |
| 7 | 45377 | 24/100 |
| 8 | 45402 | 24/100 |
| 9 | 45403 | 24/100 |
| 10 | 45404 | 24/100 |
| 11 | 45405 | 24/100 |
| 12 | 45406 | 24/100 |
Most distressed Montgomery, OH ZIPs (0-100, 2026)
Mortgage delinquency in Montgomery, OH
1.3% of Montgomery, OH mortgages were ninety-plus days late (Montgomery, OH, December 2025); Montgomery, OH thirty-to-eighty-nine days late: 2.8%; Montgomery, OH twelve-month change +0.2%; Montgomery, OH peak since 2008: 4.1% (November 2009); Ohio overall 1.0%. Montgomery, OH ninety-day series: Dec 24 1.1, Jan 25 1.1, Feb 25 0.8 (Montgomery, OH), Mar 25 0.8, Apr 25 0.8, May 25 0.8 (Montgomery, OH), Jun 25 0.8, Jul 25 0.9, Aug 25 1.1 (Montgomery, OH), Sep 25 1.1, Oct 25 1.3, Nov 25 1.0 (Montgomery, OH), Dec 25 1.3.
Opportunity index: Montgomery, OH
Montgomery, OH index 29.1, Montgomery, OH phase early_signal; Montgomery, OH primary driver bank institutional, Montgomery, OH second driver construction. Montgomery, OH components: property stress 11.7, foreclosure pressure 10.1, listing discounts 43.2, bank stress 58.6, insurance 0.0; Montgomery, OH pulse 29.8; Montgomery, OH capital opportunity 28.0; Montgomery, OH seven-day change +0.4%.
ZIP market phases inside Montgomery, OH
42 Montgomery, OH ZIPs carry a price-cycle phase; Montgomery, OH ZIPs by phase (Montgomery, OH), deepest drawdown first: peak, +3.5% YoY (Montgomery, OH): 45005, 45066; peak, +3.6% YoY (Montgomery, OH): 45042; peak, +4.6% YoY (Montgomery, OH): 45309, 45315, 45322, 45325, Montgomery, OH 45327, 45342, 45345, 45354, Montgomery, OH 45371, 45377; peak, +2.3% YoY (Montgomery, OH): 45344; expansion, +5.7% YoY (Montgomery, OH): 45378; expansion, +5.8% YoY (Montgomery, OH): 45381.
Residential listings by Montgomery, OH ZIP
Montgomery, OH ZIPs with the most tracked Montgomery, OH residential listings: 45417 57 listings, 41 candidates, bank pressure 63; 45406 35 listings, 30 candidates, bank pressure 63; 45405 31 listings, 27 candidates, bank pressure 63; 45424 25 listings, 8 candidates, bank pressure 62 (Montgomery, OH); 45403 21 listings, 10 candidates, bank pressure 63; 45410 21 listings, 12 candidates, bank pressure 63; 45402 20 listings, 16 candidates, bank pressure 63; 45420 17 listings, 8 candidates, bank pressure 63. Montgomery, OH totals: 362 listings; Montgomery, OH candidates 226; active ZIPs 28.
HUD assisted housing in Montgomery, OH
45 assisted properties with 3,082 units sit in Montgomery, OH; largest Montgomery, OH properties: North Lake Hills Coop (Dayton) 272 units, 272 assisted; Bella Vista Homes (Dayton) 251 units, 251 assisted; Lyons Gate (Miamisburg) 240 units in Montgomery, OH; The Village At Cloud Park Apartments (Huber Heights) 216 units; Canterbury Court (West Carrollton) 150 units, 148 assisted; Riverside Commons Apartments (Dayton) 120 units.
Lenders with branches in Montgomery, OH
Montgomery, OH lenders by branch count: Fifth Third Bank Na (Montgomery, OH): stress 62, 16 branches low in Montgomery, OH; Jpmorgan Chase Bank Na (Montgomery, OH): stress 65, 12 branches low in Montgomery, OH; Keybank National Assn (Montgomery, OH): stress 65, 9 branches low in Montgomery, OH; Huntington National Bank (Montgomery, OH): stress 63, 8 branches low in Montgomery, OH; First Financial Bank (Montgomery, OH): stress 47, 7 branches low in Montgomery, OH; U S Bank National Assn (Montgomery, OH): stress 67, 6 branches low in Montgomery, OH; Union Savings Bank (Montgomery, OH): stress 50, 4 branches low in Montgomery, OH; Farmers&Merchants Bank (Montgomery, OH): stress 49, 4 branches low in Montgomery, OH.
Vacancy and permits, Montgomery, OH
21,524 of 252,843 Montgomery, OH housing units are vacant; Montgomery, OH permits, twelve months: 584 multifamily units in Montgomery, OH, 646 one-to-four unit units.
Work Montgomery, OH at the parcel level
Every Montgomery, OH parcel carries owner and address; every Montgomery, OH parcel carries APN; Montgomery, OH distress scores sit on the Montgomery, OH live board.
Montgomery, OH figures refresh with each source.
Montgomery, OH questions
Most distressed ZIP code in Montgomery County, OH?
ZIP 45042 leads Montgomery, OH at 25/100; next in Montgomery, OH: 45315 at 24/100; the Montgomery, OH average is 23/100.
Where does Montgomery County, OH rank for investment opportunity?
Montgomery, OH is #1,580 among all ranked counties, #13 in Ohio; the Montgomery, OH driver is bank institutional; Montgomery, OH moved up 776 places.
How many mortgages are delinquent in Montgomery County, OH?
1.3% of Montgomery, OH mortgages were ninety-plus days late in December 2025; the Montgomery, OH peak since 2008 was 4.1%.
Which banks lend in Montgomery County, OH?
8 watched lenders hold Montgomery, OH branches; the largest Montgomery, OH footprints are Fifth Third Bank Na (16), Jpmorgan Chase Bank Na (12), Keybank National Assn (9).
More on Montgomery, OH
Montgomery County, OH distress report: public-record figures for Montgomery, OH; not legal advice for Montgomery, OH; not tax or investment advice; verify every Montgomery, OH record before acting.