ZIP 45866 Property Distress & Foreclosure Data

Composite property distress in 45866 (Mercer County, Ohio) lands at 13/100 — minimal on DLRadar's public-record scoring. The latent-versus-live split is 29/100 structural and 1/100 already moving. The sharpest non-environmental signals are 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 (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 20% of renters are cost-burdened. Home values center near $110,900, an affordability ratio of 1.5× — accessible. 3.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 20/100. Median household income is $73,750, near the U.S. median near $78,000. Educational attainment sits at 24% bachelor's-or-above. The vacancy rate is 31.4% — elevated. Owners hold 90% of homes, renters 10%. About 100 people live here, median age 57. The ZIP holds roughly 73 housing units.

Net-net, 45866 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.