ZIP 45231 Foreclosure, Tax-Lien & Distress Report

Hamilton County, Ohio's ZIP 45231 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (95/100)). The latent-versus-live split is 47/100 structural and 3/100 already moving. The most distinctive pressure shows up in structural risk (47/100), institutional ownership (21/100), mortgage stress (9/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (9/100).

The peak-phase market in 45231 posted values that rose 4.5% over the year, and 22% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $69,140 — near the roughly $78,000 national figure. On demographic stress specifically, 45231 scores 28/100. Roughly 15.7% live below the poverty line. About 27% have a four-year degree. Around 43% of renters are cost-burdened. The vacancy rate is 4.8%. Population is roughly 40,852 with a median age of 41. The ZIP holds roughly 17,505 housing units. The tenure split is 72% owner-occupied to 28% rented. A median home runs $176,000 here, or 2.4 times local income.

On balance 45231 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.