Ottawa County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ottawa County, Ohio? DLRadar grades every Ottawa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Ottawa County breakdown.
- Ottawa County's most distressed ZIP is 43412 at 22/100.
- 20 ZIP codes tracked in Ottawa County, averaging 15/100 distress.
- Ottawa County reads expansion — home values up 5.9% year over year.
- Vacancy runs 21.4% across Ottawa County's tracked ZIPs, with a 7.9% poverty rate.
- The typical Ottawa County home is worth about $217,531 against a ~$72,655 median income.
- Lending headwind in Ottawa County sits at 78/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 43412 | 22/100 |
| 2 | 43445 | 17/100 |
| 3 | 43447 | 17/100 |
| 4 | 43420 | 15/100 |
| 5 | 43408 | 14/100 |
| 6 | 43430 | 14/100 |
| 7 | 43432 | 14/100 |
| 8 | 43433 | 14/100 |
| 9 | 43436 | 14/100 |
| 10 | 43439 | 14/100 |
| 11 | 43440 | 14/100 |
| 12 | 43442 | 14/100 |
Most distressed ZIP codes in Ottawa County (composite distress 0-100, 2026)
What is driving Ottawa County distress
Ottawa County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 15/100 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.
Ottawa County market phase and pricing
Phase for Ottawa County: expansion (+5.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Ottawa County
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Frequently asked
What is the hardest-hit ZIP in Ottawa County?
ZIP 43412 leads Ottawa County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Ottawa County at?
Phase for Ottawa County: expansion, tracking a 5.9% gain year over year, read off the FHFA index.
What are the sources behind these Ottawa County numbers?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 20 ZIP codes in Ottawa County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Ottawa County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Ottawa County ZIPs DLRadar ranks, scores run from 22/100 in 43412 down to 14/100 in 43442, against a Ottawa County average of 15/100. With 8 points between best and worst, county-level targeting in Ottawa County wastes effort.
What do Ottawa County home values and vacancy say about distressed supply?
The typical Ottawa County home carries about $217,531 of value against a median household income near $72,655. Vacancy across Ottawa County's tracked ZIPs runs 21.4% and the poverty rate is 7.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Ottawa County's foreclosure and lien data and its 78/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.