ZIP 45312 Property Distress & Foreclosure Data

Miami County, Ohio's ZIP 45312 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (44/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100). Environmental exposure also runs high (climate & FEMA risk (66/100)). The latent-versus-live split is 44/100 structural and 2/100 already moving.

The expansion-phase market in 45312 posted values that rose 6.9% over the year, and 31% higher over three years (phase confidence 40/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $89,653 — above the roughly $78,000 national figure. The vacancy rate is 7.7%. Roughly 0.6% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 93% owner-occupied to 7% rented. Around 8% of renters are cost-burdened. About 16% have a four-year degree. The ZIP holds roughly 518 housing units. Population is roughly 1,109 with a median age of 49. On demographic stress specifically, 45312 scores 20/100. A median home runs $279,400 here, or 2.8 times local income.

Broadly, 45312 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.