Montgomery County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Ohio? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 45042 at 24/100.
- 42 ZIP codes tracked in Montgomery County, averaging 23/100 distress.
- Montgomery County reads peak — home values up 4.6% year over year.
- Vacancy runs 9.3% across Montgomery County's tracked ZIPs, with a 17.5% poverty rate.
- The typical Montgomery County home is worth about $188,267 against a ~$72,858 median income.
- Lending headwind in Montgomery County sits at 48/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45042 | 24/100 |
| 2 | 45309 | 24/100 |
| 3 | 45315 | 24/100 |
| 4 | 45325 | 24/100 |
| 5 | 45327 | 24/100 |
| 6 | 45342 | 24/100 |
| 7 | 45345 | 24/100 |
| 8 | 45354 | 24/100 |
| 9 | 45377 | 24/100 |
| 10 | 45402 | 24/100 |
| 11 | 45403 | 24/100 |
| 12 | 45404 | 24/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
The Montgomery County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 23/100 ZIP average. No proprietary or modelled inputs enter the score.
Montgomery County market phase and pricing
Montgomery County reads peak — home prices rose 4.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Montgomery County
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What people ask
What is the hardest-hit ZIP in Montgomery County?
ZIP 45042 leads Montgomery County at 24/100, recomputed monthly from public records.
What stage of the price cycle is Montgomery County at?
Phase for Montgomery County: peak, tracking a 4.6% gain year over year, read off the FHFA index.
Where does the Montgomery County data come from?
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 42 ZIP codes in Montgomery County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Montgomery County ZIP codes?
A county average hides the spread. Across the Montgomery County ZIPs DLRadar ranks, scores run from 24/100 in 45042 down to 24/100 in 45404, against a Montgomery County average of 23/100. Those 0 points separate the ZIPs worth working in Montgomery County from the rest.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $188,267 of value against a median household income near $72,858. Vacancy across Montgomery County's tracked ZIPs runs 9.3% and the poverty rate is 17.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montgomery County's foreclosure and tax-lien record and its 48/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.