ZIP 45860 Property Distress & Foreclosure Data

DLRadar grades ZIP 45860 (Mercer County, Ohio) at a minimal 13/100 for overall property distress. On the structural side it scores 29/100, with 1/100 of stress already active. Property-level stress concentrates in construction/permit lag (59/100), structural risk (29/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 5.1% year on year, and 15% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $110,652, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 18/100. 0.0% of residents fall below the poverty threshold. The ZIP holds roughly 740 housing units. Home values center near $296,000, an affordability ratio of 2.7× — accessible. Owners hold 88% of homes, renters 12%. Around 0% of renters are cost-burdened. The vacancy rate is 0.0%. Educational attainment sits at 25% bachelor's-or-above. About 2,437 people live here, median age 35.

Overall 45860 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.