ZIP 45458 Property Distress & Foreclosure Data

ZIP code 45458 in Montgomery County, Ohio carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 52/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (76/100). What sets it apart are the readings on structural risk (52/100), construction/permit lag (38/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 6.6% year on year, and 20% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $362,700, an affordability ratio of 3.0× — accessible. DLRadar's demographic-stress index for the area reads 22/100. Vacancy runs 3.2%. Owners hold 76% of homes, renters 24%. 5.6% of residents fall below the poverty threshold. Median household income is $110,682, above the U.S. median near $78,000. About 37,413 people live here, median age 42. Educational attainment sits at 59% bachelor's-or-above. There are about 15,946 housing units across 45458. Rent burden reaches 28% of tenant households.

Overall 45458 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.