ZIP 45318 Property Distress & Foreclosure Data

ZIP code 45318 in Miami County, Ohio carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (52/100), structural risk (45/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) 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 (66/100), flood (NFIP) exposure (60/100)).

The expansion-phase market in 45318 posted values that rose 7.0% over the year, and 14% higher over three years (phase confidence 40/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 13% have a four-year degree. The ZIP holds roughly 2,511 housing units. Households earn a median $64,239 — below the roughly $78,000 national figure. A median home runs $199,400 here, or 2.7 times local income. Around 28% of renters are cost-burdened. On demographic stress specifically, 45318 scores 26/100. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 10.1%. The tenure split is 77% owner-occupied to 23% rented. Population is roughly 5,338 with a median age of 51.

On balance 45318 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.