ZIP 44090 Property Distress & Foreclosure Data

In Lorain County, Ohio, ZIP 44090 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 (69/100). 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 28% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 33% of renters are cost-burdened. The vacancy rate is 8.3%. The ZIP holds roughly 4,363 housing units. About 10,341 people live here, median age 42. Median household income is $78,318, near the U.S. median near $78,000. Educational attainment sits at 26% bachelor's-or-above. Home values center near $248,000, an affordability ratio of 2.9× — accessible. DLRadar's demographic-stress index for the area reads 27/100. 10.4% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%.

Overall 44090 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.