ZIP 45631 Foreclosure, Tax-Lien & Distress Report

ZIP 45631's composite property-distress score is 22/100 - DLRadar classes that as low for Gallia County, Ohio. What sets it apart are the readings on construction/permit lag (100/100), structural risk (52/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (68/100)). Structural exposure scores 52 and live distress 3 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 27% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 34% of tenant households. The tenure split is 72% owner-occupied to 28% rented. Households earn a median $54,772 — below the roughly $78,000 national figure. About 19% have a four-year degree. Vacancy runs 13.9%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 6,559 housing units. The poverty rate is 12.7%. The demographic-stress sub-score lands at 28/100. The typical home is worth about $156,200 (2.5× income, relatively affordable). 12,669 residents call 45631 home, typically aged 44.

On the whole, 45631 leans distressed, with opportunity clustered in specific stressed parcels. 45631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 45631 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Gallia County, Ohio and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 45631 shows blanks, not estimates, wherever the record is sparse.

Each component behind 45631 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For an operator, 45631 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.