ZIP 44039 Property Distress & Foreclosure Data

Lorain County, Ohio's ZIP 44039 registers 23/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). The most distinctive pressure shows up in structural risk (51/100), construction/permit lag (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Structural risk reads 51/100 against active distress of 2/100.

The market reads expansion — home values rose 5.9% year on year, and 29% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 3.6%. DLRadar's demographic-stress index for the area reads 21/100. There are about 14,632 housing units across 44039. Owners hold 90% of homes, renters 10%. 4.8% of residents fall below the poverty threshold. Median household income is $94,128, above the U.S. median near $78,000. Home values center near $269,900, an affordability ratio of 2.7× — accessible. Educational attainment sits at 35% bachelor's-or-above. About 36,235 people live here, median age 41. Rent burden reaches 23% of tenant households.

Overall 44039 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.