Putnam County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Putnam County, Ohio? DLRadar grades every Putnam County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Putnam County breakdown.
- Putnam County's most distressed ZIP is 45868 at 19/100.
- 20 ZIP codes tracked in Putnam County, averaging 13/100 distress.
- Putnam County reads expansion — home values up 6.0% year over year.
- Vacancy runs 7.7% across Putnam County's tracked ZIPs, with a 6.3% poverty rate.
- The typical Putnam County home is worth about $179,689 against a ~$79,935 median income.
- Lending headwind in Putnam County sits at 36/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45868 | 19/100 |
| 2 | 45817 | 18/100 |
| 3 | 45815 | 14/100 |
| 4 | 45830 | 14/100 |
| 5 | 45831 | 14/100 |
| 6 | 45844 | 14/100 |
| 7 | 45848 | 14/100 |
| 8 | 45853 | 14/100 |
| 9 | 45856 | 14/100 |
| 10 | 45864 | 14/100 |
| 11 | 45875 | 14/100 |
| 12 | 45876 | 14/100 |
Most distressed ZIP codes in Putnam County (composite distress 0-100, 2026)
What is driving Putnam County distress
The Putnam County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 13/100 ZIP average. No proprietary or modelled inputs enter the score.
Putnam County market phase and pricing
DLRadar places Putnam County in expansion; prices moved up 6.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Putnam County
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Questions and answers
What is the most distressed ZIP code in Putnam County, OH?
ZIP 45868 leads Putnam County at 19/100, recomputed monthly from public records.
Where is Putnam County in the housing cycle?
Putnam County is classified expansion with a 6.0% year-over-year increase, following the FHFA House Price Index.
How is the Putnam County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 20 Putnam County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Putnam County ZIP codes?
A single county score papers over real variation. Across the Putnam County ZIPs DLRadar ranks, scores run from 19/100 in 45868 down to 14/100 in 45876, against a Putnam County average of 13/100. That 5-point gap is why acquisition targeting in Putnam County works at ZIP level rather than county level.
What do Putnam County home values and vacancy say about distressed supply?
The typical Putnam County home carries about $179,689 of value against a median household income near $79,935. Vacancy across Putnam County's tracked ZIPs runs 7.7% and the poverty rate is 6.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Putnam County's filings and its 36/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.