Warren County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Warren County, OH distress report, 2026: 24 ZIPs scored in Warren, OH, Warren, OH average 22/100; the top Warren, OH ZIP is 45241 at 26/100; Warren, OH market phase peak, Warren, OH prices +3.5% year over year.
- Warren, OH ranks #2,750 nationally (opportunity index); Warren, OH #57 in Ohio; Warren, OH index 24.7.
- Warren, OH ninety-day mortgage delinquency 0.4% in December 2025; Warren, OH twelve-month change -0.1%.
- Warren, OH ZIP phases: 24 peak.
- Warren, OH residential listings tracked: 100 across 12 ZIPs; Warren, OH candidate listings 32.
- Warren, OH HUD assisted properties: 8 with 768 units.
- Warren, OH lenders on watch: 8; largest Warren, OH footprint Lcnb National Bank (10 branches).
- Warren, OH most distressed ZIP: 45241 at 26/100.
Warren, OH figures: DLRadar distress index; Warren, OH inputs: CFPB, FHFA, HUD, FDIC; Warren, OH rebuilt as sources refresh.
| Rank | Warren, OH ZIP | Score |
|---|---|---|
| 1 | 45241 | 26/100 |
| 2 | 45249 | 26/100 |
| 3 | 45042 | 25/100 |
| 4 | 45044 | 25/100 |
| 5 | 45050 | 25/100 |
| 6 | 45122 | 24/100 |
| 7 | 45342 | 24/100 |
| 8 | 45140 | 23/100 |
| 9 | 45327 | 23/100 |
| 10 | 45458 | 23/100 |
| 11 | 45162 | 22/100 |
| 12 | 45005 | 21/100 |
Most distressed Warren, OH ZIPs (0-100, 2026)
Mortgage delinquency in Warren, OH
0.4% of Warren, OH mortgages were ninety-plus days late (Warren, OH, December 2025); Warren, OH thirty-to-eighty-nine days late: 1.3%; Warren, OH twelve-month change -0.1%; Warren, OH peak since 2008: 2.8% (November 2009); Ohio overall 1.0%. Warren, OH ninety-day series: Dec 24 0.5, Jan 25 0.4, Feb 25 0.3 (Warren, OH), Mar 25 0.2, Apr 25 0.3, May 25 0.2 (Warren, OH), Jun 25 0.3, Jul 25 0.4, Aug 25 0.3 (Warren, OH), Sep 25 0.3, Oct 25 0.3, Nov 25 0.4 (Warren, OH), Dec 25 0.4.
Opportunity index: Warren, OH
Warren, OH index 24.7, Warren, OH phase weak; Warren, OH primary driver bank institutional, Warren, OH second driver construction. Warren, OH components: property stress 7.5, foreclosure pressure 5.8, listing discounts 34.2, bank stress 56.9, insurance 0.0; Warren, OH pulse 25.2; Warren, OH capital opportunity 23.9; Warren, OH seven-day change +0.3%.
ZIP market phases inside Warren, OH
24 Warren, OH ZIPs carry a price-cycle phase; Warren, OH ZIPs by phase (Warren, OH), deepest drawdown first: peak, +3.5% YoY (Warren, OH): 45005, 45032, 45034, 45036, Warren, OH 45039, 45040, 45044, 45050, Warren, OH 45054, 45065, 45066, 45122; peak, +3.6% YoY (Warren, OH): 45042, 45068; peak, +3.7% YoY (Warren, OH): 45107, 45113.
Residential listings by Warren, OH ZIP
Warren, OH ZIPs with the most tracked Warren, OH residential listings: 45040 72 listings, 19 candidates, bank pressure 61; 45036 7 listings, 4 candidates, bank pressure 61; 45039 6 listings, 0 candidates, bank pressure 61; 45005 4 listings, 3 candidates, bank pressure 62 (Warren, OH); 45066 4 listings, 1 candidates, bank pressure 62; 45032 2 listings, 2 candidates, bank pressure 61; 45152 2 listings, 1 candidates, bank pressure 61; 45034 1 listings, 1 candidates, bank pressure 61. Warren, OH totals: 100 listings; Warren, OH candidates 32; active ZIPs 10.
HUD assisted housing in Warren, OH
8 assisted properties with 768 units sit in Warren, OH; largest Warren, OH properties: Cedars At River Bend (South Lebanon) 176 units; Redwood Lebanon Apartments (Lebanon) 124 units; Hunter's Run Apartments (Lebanon) 114 units in Warren, OH; Franklin Court (Franklin) 94 units, 93 assisted; La Luz Apts (Lebanon) 94 units, 94 assisted; Deerfield Commons (Mason) 80 units, 80 assisted.
Lenders with branches in Warren, OH
Warren, OH lenders by branch count: Lcnb National Bank (Warren, OH): stress 57, 10 branches low in Warren, OH; Fifth Third Bank Na (Warren, OH): stress 62, 9 branches low in Warren, OH; Peoples Bank (Warren, OH): stress 55, 7 branches low in Warren, OH; Huntington National Bank (Warren, OH): stress 63, 6 branches low in Warren, OH; 1st National Bank (Warren, OH): stress 81, 5 branches moderate in Warren, OH; U S Bank National Assn (Warren, OH): stress 67, 5 branches low in Warren, OH; Jpmorgan Chase Bank Na (Warren, OH): stress 65, 5 branches low in Warren, OH; First Financial Bank (Warren, OH): stress 47, 3 branches low in Warren, OH.
Vacancy and permits, Warren, OH
4,009 of 96,061 Warren, OH housing units are vacant; Warren, OH permits, twelve months: 609 multifamily units in Warren, OH, 868 one-to-four unit units.
Work Warren, OH at the parcel level
Every Warren, OH parcel carries owner and address; every Warren, OH parcel carries APN; Warren, OH distress scores sit on the Warren, OH live board.
Warren, OH figures refresh with each source.
Warren, OH questions
Most distressed ZIP code in Warren County, OH?
ZIP 45241 leads Warren, OH at 26/100; next in Warren, OH: 45249 at 26/100; the Warren, OH average is 22/100.
Where does Warren County, OH rank for investment opportunity?
Warren, OH is #2,750 among all ranked counties, #57 in Ohio; the Warren, OH driver is bank institutional; Warren, OH moved up 279 places.
How many mortgages are delinquent in Warren County, OH?
0.4% of Warren, OH mortgages were ninety-plus days late in December 2025; the Warren, OH peak since 2008 was 2.8%.
Which banks lend in Warren County, OH?
8 watched lenders hold Warren, OH branches; the largest Warren, OH footprints are Lcnb National Bank (10), Fifth Third Bank Na (9), Peoples Bank (7).
More on Warren, OH
Warren County, OH distress report: public-record figures for Warren, OH; not legal advice for Warren, OH; not tax or investment advice; verify every Warren, OH record before acting.