ZIP 45404 Property Distress & Foreclosure Data

In Montgomery County, Ohio, ZIP 45404 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (79/100). The latent-versus-live split is 53/100 structural and 2/100 already moving. Its standout signals are structural risk (53/100), construction/permit lag (38/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 7.0% year on year, and 19% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 50% of renters are cost-burdened. 37.0% of residents fall below the poverty threshold. Median household income is $35,286, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 39/100. Educational attainment sits at 9% bachelor's-or-above. The vacancy rate is 11.7% — elevated. The ZIP holds roughly 4,781 housing units. Owners hold 39% of homes, renters 61%. Home values center near $86,900, an affordability ratio of 2.3× — accessible. About 10,762 people live here, median age 34.

Net-net, 45404 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.