ZIP 45322 Property Distress & Foreclosure Data

ZIP code 45322 in Montgomery County, Ohio carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 51/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (74/100). What sets it apart are the readings on structural risk (51/100), construction/permit lag (40/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 7.0% over the trailing year, and 19% higher over three years, at 40/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $179,700 (2.3× income, relatively affordable). 76% of housing is owner-occupied. 20,978 residents call 45322 home, typically aged 40. The demographic-stress sub-score lands at 24/100. There are about 9,317 housing units across 45322. Vacancy runs 3.5%. Around 28% of adults hold a bachelor's degree or higher. The poverty rate is 7.4% — low. At $72,073, median income runs near typical U.S. levels. Rent burden reaches 37% of tenant households.

Overall, 45322 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.