ZIP 45638 Property Distress & Foreclosure Data

ZIP code 45638 in Lawrence County, Ohio carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100), climate & FEMA risk (71/100). What sets it apart are the readings on structural risk (36/100), institutional ownership (17/100), mortgage stress (9/100). By contrast, institutional ownership (17/100) and mortgage stress (9/100) register low. Structural risk reads 36/100 against active distress of 3/100.

The market reads expansion — home values rose 6.9% year on year, and 16% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 68% of homes, renters 32%. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal. There are about 9,216 housing units across 45638. Educational attainment sits at 16% bachelor's-or-above. About 19,921 people live here, median age 40. Rent burden reaches 38% of tenant households. Median household income is $49,544, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 30/100. Home values center near $119,000, an affordability ratio of 2.4× — accessible. 19.6% of residents fall below the poverty threshold.

Net-net, 45638 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.