Ross County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ross County, OH distress report, 2026: 16 ZIPs scored in Ross, OH, Ross, OH average 14/100; the top Ross, OH ZIP is 43164 at 18/100; Ross, OH market phase peak, Ross, OH prices +3.9% year over year.
- Ross, OH ranks #2,332 nationally (opportunity index); Ross, OH #36 in Ohio; Ross, OH index 26.6.
- Ross, OH: no CFPB county sample; Ross, OH non-metro area reading 1.4%.
- Ross, OH ZIP phases: 13 peak, 3 expansion.
- Ross, OH residential listings tracked: 29 across 9 ZIPs; Ross, OH candidate listings 19.
- Ross, OH HUD assisted properties: 5 with 240 units.
- Ross, OH lenders on watch: 7; largest Ross, OH footprint Kingston National Bank (3 branches).
- Ross, OH most distressed ZIP: 43164 at 18/100.
Ross, OH figures: DLRadar distress index; Ross, OH inputs: CFPB, FHFA, HUD, FDIC; Ross, OH rebuilt as sources refresh.
| Rank | Ross, OH ZIP | Score |
|---|---|---|
| 1 | 43164 | 18/100 |
| 2 | 45644 | 18/100 |
| 3 | 43115 | 17/100 |
| 4 | 43101 | 16/100 |
| 5 | 43135 | 16/100 |
| 6 | 45612 | 16/100 |
| 7 | 45617 | 16/100 |
| 8 | 45628 | 16/100 |
| 9 | 45673 | 16/100 |
| 10 | 45681 | 16/100 |
| 11 | 45601 | 15/100 |
| 12 | 45123 | 13/100 |
Most distressed Ross, OH ZIPs (0-100, 2026)
Mortgage delinquency around Ross, OH
No CFPB county sample covers Ross, OH; the non-metro area reading for Ross, OH: 1.4% ninety-plus; Ross, OH area thirty-to-eighty-nine 3.4% (December 2025, Ross, OH); Ohio overall 1.0%.
Opportunity index: Ross, OH
Ross, OH index 26.6, Ross, OH phase weak; Ross, OH primary driver bank institutional, Ross, OH second driver vacancy. Ross, OH components: property stress 11.8, foreclosure pressure 10.5, listing discounts 38.5, bank stress 58.9, insurance 0.0; Ross, OH pulse 27.0; Ross, OH capital opportunity 26.0; Ross, OH seven-day change +0.1%.
ZIP market phases inside Ross, OH
16 Ross, OH ZIPs carry a price-cycle phase; Ross, OH ZIPs by phase (Ross, OH), deepest drawdown first: peak, +3.9% YoY (Ross, OH): 43101, 43160, 45617, 45628, Ross, OH 45673, 45681; peak, +3.8% YoY (Ross, OH): 43115; peak, +3.1% YoY (Ross, OH): 43135; peak, +3.0% YoY (Ross, OH): 43164; peak, +4.8% YoY (Ross, OH): 45123; peak, +4.0% YoY (Ross, OH): 45601; peak, +4.7% YoY (Ross, OH): 45612; peak, +3.6% YoY (Ross, OH): 45644; expansion, +5.2% YoY (Ross, OH): 45647; expansion, +6.0% YoY (Ross, OH): 45672; expansion, +5.7% YoY (Ross, OH): 45690.
Residential listings by Ross, OH ZIP
Ross, OH ZIPs with the most tracked Ross, OH residential listings: 45601 18 listings, 14 candidates, bank pressure 62; 45612 4 listings, 1 candidates, bank pressure 64; 45681 4 listings, 1 candidates, bank pressure 62; 45644 3 listings, 3 candidates, bank pressure 64 (Ross, OH); 43101 0 listings, 0 candidates, bank pressure 62; 43115 0 listings, 0 candidates, bank pressure 64; 45617 0 listings, 0 candidates, bank pressure 62; 45628 0 listings, 0 candidates, bank pressure 62. Ross, OH totals: 29 listings; Ross, OH candidates 19; active ZIPs 4.
HUD assisted housing in Ross, OH
5 assisted properties with 240 units sit in Ross, OH; largest Ross, OH properties: Hopeton Village (Chillicothe) 109 units, 108 assisted; Overbrook Park Apartments (Chillicothe) 50 units, 50 assisted; Hopeton Terrace (Chillicothe) 46 units, 45 assisted in Ross, OH; Frankfort Place (Frankfort) 20 units, 20 assisted; Capitol Crossing Apartments (Frankfort) 15 units, 15 assisted.
Lenders with branches in Ross, OH
Ross, OH lenders by branch count: Kingston National Bank (Ross, OH): stress 82, 3 branches low in Ross, OH; Vinton County National Bank (Ross, OH): stress 63, 3 branches low in Ross, OH; Lcnb National Bank (Ross, OH): stress 57, 3 branches low in Ross, OH; Buckeye State Bank (Ross, OH): stress 82, 2 branches low in Ross, OH; Huntington National Bank (Ross, OH): stress 63, 2 branches low in Ross, OH; Fifth Third Bank Na (Ross, OH): stress 62, 1 branch low in Ross, OH; Union Savings Bank (Ross, OH): stress 50, 1 branch low in Ross, OH.
Vacancy and permits, Ross, OH
2,284 of 32,092 Ross, OH housing units are vacant; Ross, OH permits, twelve months: 0 multifamily units in Ross, OH, 36 one-to-four unit units.
Work Ross, OH at the parcel level
Every Ross, OH parcel carries owner and address; every Ross, OH parcel carries APN; Ross, OH distress scores sit on the Ross, OH live board.
Ross, OH figures refresh with each source.
Ross, OH questions
Most distressed ZIP code in Ross County, OH?
ZIP 43164 leads Ross, OH at 18/100; next in Ross, OH: 45644 at 18/100; the Ross, OH average is 14/100.
Where does Ross County, OH rank for investment opportunity?
Ross, OH is #2,332 among all ranked counties, #36 in Ohio; the Ross, OH driver is bank institutional; Ross, OH moved up 506 places.
How many mortgages are delinquent in Ross County, OH?
Ross, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Ross, OH.
Which banks lend in Ross County, OH?
7 watched lenders hold Ross, OH branches; the largest Ross, OH footprints are Kingston National Bank (3), Vinton County National Bank (3), Lcnb National Bank (3).
More on Ross, OH
Ross County, OH distress report: public-record figures for Ross, OH; not legal advice for Ross, OH; not tax or investment advice; verify every Ross, OH record before acting.