ZIP 45822 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45822 (Mercer County, Ohio) returns a minimal composite of 12/100. On the structural side it scores 26/100, with 1/100 of stress already active. The pressure is most legible in construction/permit lag (49/100), structural risk (26/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 17% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 35% of renters are cost-burdened. The ZIP holds roughly 9,741 housing units. Median household income is $72,106, near the U.S. median near $78,000. 20,170 residents call 45822 home, typically aged 42. The poverty rate is 8.6%. On demographic stress specifically, 45822 scores 27/100. A median home runs $182,700 here, or 2.6 times local income. The tenure split is 75% owner-occupied to 25% rented. About 21% have a four-year degree. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 45822 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 45822 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 45822 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 45822 shows blanks, not estimates, wherever the record is sparse.

Each component behind 45822 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. For a buyer, 45822 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.