ZIP 45309 Property Distress & Foreclosure Data

ZIP code 45309 in Montgomery County, Ohio carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (52/100), construction/permit lag (39/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (76/100)). The latent-versus-live split is 52/100 structural and 2/100 already moving.

The expansion-phase market in 45309 posted values that rose 6.9% over the year, and 17% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $72,570 — near the roughly $78,000 national figure. The ZIP holds roughly 4,990 housing units. The tenure split is 73% owner-occupied to 27% rented. About 22% have a four-year degree. Around 27% of renters are cost-burdened. A median home runs $214,700 here, or 2.7 times local income. On demographic stress specifically, 45309 scores 25/100. Population is roughly 11,905 with a median age of 45. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 5.7%.

On balance 45309 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.