ZIP 45039 Property Distress & Foreclosure Data

ZIP code 45039 in Warren County, Ohio carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (45/100), construction/permit lag (33/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). On the structural side it scores 45/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (64/100)).

The peak-phase market in 45039 posted values that rose 4.5% over the year, and 21% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 85% owner-occupied to 15% rented. The vacancy rate is 3.8%. On demographic stress specifically, 45039 scores 22/100. The ZIP holds roughly 11,401 housing units. Households earn a median $111,774 — above the roughly $78,000 national figure. About 52% have a four-year degree. Roughly 3.8% live below the poverty line, a low share typical of higher-equity areas. A median home runs $327,200 here, or 2.6 times local income. Around 41% of renters are cost-burdened. Population is roughly 28,958 with a median age of 40.

Broadly, 45039 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.