ZIP 45623 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45623 (Gallia County, Ohio) returns a low composite of 22/100. On the structural side it scores 53/100, with 3/100 of stress already active. What sets it apart are the readings on construction/permit lag (100/100), structural risk (53/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (68/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 17.1% — elevated. Around 34% of renters are cost-burdened. The tenure split is 87% owner-occupied to 13% rented. Roughly 10.1% live below the poverty line. The typical home is worth about $125,700 (2.2× income, relatively affordable). The demographic-stress sub-score lands at 26/100. Population is roughly 3,381 with a median age of 42. About 14% have a four-year degree. There are about 1,540 housing units across 45623. At $63,854, median income runs below typical U.S. levels.

Net-net, 45623 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 45623 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 45623's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 45623, the field stays empty rather than modeled, and fills in as new documents post.

45623's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 45623 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.