ZIP 45440 Property Distress & Foreclosure Data

In Greene County, Ohio, ZIP 45440 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 (83/100), flood (NFIP) exposure (69/100). The latent-versus-live split is 53/100 structural and 2/100 already moving. Its standout signals are construction/permit lag (59/100), structural risk (53/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 7.0% year on year, and 21% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 27% of renters are cost-burdened. The ZIP holds roughly 10,111 housing units. Median household income is $83,378, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 25/100. 11.7% of residents fall below the poverty threshold. Home values center near $267,900, an affordability ratio of 3.0× — accessible. Educational attainment sits at 46% bachelor's-or-above. Owners hold 62% of homes, renters 38%. The vacancy rate is 4.9%. About 22,730 people live here, median age 40.

Overall 45440 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.