ZIP 44054 Property Distress & Foreclosure Data

In Lorain County, Ohio, ZIP 44054 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). The latent-versus-live split is 51/100 structural and 2/100 already moving.

The market reads expansion — home values rose 5.9% year on year, and 26% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $73,151, near the U.S. median near $78,000. Around 21% of renters are cost-burdened. 9.4% of residents fall below the poverty threshold. About 12,733 people live here, median age 46. Home values center near $184,400, an affordability ratio of 2.4× — accessible. The vacancy rate is 5.5%. Educational attainment sits at 25% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 23/100. The ZIP holds roughly 6,148 housing units. Owners hold 76% of homes, renters 24%.

Net-net, 44054 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.