ZIP 45405 Property Distress & Foreclosure Data

DLRadar grades ZIP 45405 (Montgomery County, Ohio) at a low 23/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (79/100)). Property-level stress concentrates in structural risk (53/100), construction/permit lag (38/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). Structural exposure scores 53 and live distress 2 on the 0–100 scale.

The expansion-phase market in 45405 posted values that rose 7.0% over the year, and 19% higher over three years, at 40/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 11,695 housing units across 45405. Vacancy runs 24.2%, above the national norm and a classic distress-and-opportunity signal. A median home runs $84,200 here, or 1.8 times local income. The tenure split is 34% owner-occupied to 66% rented. Rent burden reaches 34% of tenant households. About 19% have a four-year degree. Roughly 26.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $41,901 — below the roughly $78,000 national figure. Population is roughly 19,322 with a median age of 39. On demographic stress specifically, 45405 scores 33/100.

On the whole, 45405 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.