ZIP 45326 Property Distress & Foreclosure Data

Miami County, Ohio's ZIP 45326 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (66/100), flood (NFIP) exposure (60/100). The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (45/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. Structural risk reads 45/100 against active distress of 2/100.

The market reads expansion — home values rose 7.0% year on year, and 44% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $154,400, an affordability ratio of 1.7× — accessible. Owners hold 85% of homes, renters 15%. About 1,509 people live here, median age 40. 13.8% of residents fall below the poverty threshold. Rent burden reaches 42% of tenant households. Median household income is $87,500, above the U.S. median near $78,000. Vacancy runs 1.8%. There are about 541 housing units across 45326. Educational attainment sits at 6% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 26/100.

Overall 45326 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.