ZIP 45403 Property Distress & Foreclosure Data

ZIP code 45403 in Montgomery County, Ohio carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (79/100). What sets it apart are the readings on structural risk (53/100), construction/permit lag (38/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. Structural risk reads 53/100 against active distress of 2/100.

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.

13,831 residents call 45403 home, typically aged 35. The typical home is worth about $87,500 (2.0× income, relatively affordable). There are about 7,310 housing units across 45403. The poverty rate is 36.2% — high, a tax-stress and distress correlate. At $36,250, median income runs below typical U.S. levels. Vacancy runs 14.3%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 37/100. Around 11% of adults hold a bachelor's degree or higher. 41% of housing is owner-occupied. Rent burden reaches 45% of tenant households.

Taken together, 45403 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.