Centre County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Centre County, PA distress report, 2026: 35 ZIPs scored in Centre, PA, Centre, PA average 16/100; the top Centre, PA ZIP is 16666 at 27/100; Centre, PA market phase peak, Centre, PA prices +3.1% year over year.
- Centre, PA ranks #3,174 nationally (opportunity index); Centre, PA #67 in Pennsylvania; Centre, PA index 20.8.
- Centre, PA: no CFPB county sample; Centre, PA non-metro area reading 1.6%.
- Centre, PA ZIP phases: 34 peak, 1 expansion.
- Centre, PA residential listings tracked: 19 across 31 ZIPs; Centre, PA candidate listings 10.
- Centre, PA HUD assisted properties: 3 with 198 units.
- Centre, PA lenders on watch: 8; largest Centre, PA footprint First Nb Of Pennsylvania (9 branches).
- Centre, PA most distressed ZIP: 16666 at 27/100.
Centre, PA figures: DLRadar distress index; Centre, PA inputs: CFPB, FHFA, HUD, FDIC; Centre, PA rebuilt as sources refresh.
| Rank | Centre, PA ZIP | Score |
|---|---|---|
| 1 | 16666 | 27/100 |
| 2 | 16860 | 24/100 |
| 3 | 16686 | 20/100 |
| 4 | 16822 | 18/100 |
| 5 | 16845 | 18/100 |
| 6 | 16677 | 15/100 |
| 7 | 16801 | 15/100 |
| 8 | 16802 | 15/100 |
| 9 | 16803 | 15/100 |
| 10 | 16820 | 15/100 |
| 11 | 16823 | 15/100 |
| 12 | 16826 | 15/100 |
Most distressed Centre, PA ZIPs (0-100, 2026)
Mortgage delinquency around Centre, PA
No CFPB county sample covers Centre, PA; the non-metro area reading for Centre, PA: 1.6% ninety-plus; Centre, PA area thirty-to-eighty-nine 2.1% (December 2025, Centre, PA); Pennsylvania overall 1.0%.
Opportunity index: Centre, PA
Centre, PA index 20.8, Centre, PA phase weak; Centre, PA primary driver bank institutional, Centre, PA second driver vacancy. Centre, PA components: property stress 12.9, foreclosure pressure 13.5, listing discounts 12.3, bank stress 53.2, insurance 0.0; Centre, PA pulse 23.4; Centre, PA capital opportunity 16.9; Centre, PA seven-day change +0.1%.
ZIP market phases inside Centre, PA
35 Centre, PA ZIPs carry a price-cycle phase; Centre, PA ZIPs by phase (Centre, PA), deepest drawdown first: peak, +4.1% YoY (Centre, PA): 16666; peak, +3.1% YoY (Centre, PA): 16677, 16801, 16802, 16803, Centre, PA 16820, 16823, 16826, 16827, Centre, PA 16828, 16829, 16832, 16835, Centre, PA 16841; expansion, +6.1% YoY (Centre, PA): 16686; peak, +4.2% YoY (Centre, PA): 16822.
Residential listings by Centre, PA ZIP
Centre, PA ZIPs with the most tracked Centre, PA residential listings: 16866 5 listings, 3 candidates, bank pressure 61; 16823 3 listings, 0 candidates, bank pressure 63; 16859 2 listings, 0 candidates, bank pressure 63; 16874 2 listings, 1 candidates, bank pressure 63 (Centre, PA); 16829 1 listings, 0 candidates, bank pressure 63; 16841 1 listings, 1 candidates, bank pressure 61; 16870 1 listings, 1 candidates, bank pressure 63; 16872 1 listings, 1 candidates, bank pressure 63. Centre, PA totals: 19 listings; Centre, PA candidates 10; active ZIPs 10.
HUD assisted housing in Centre, PA
3 assisted properties with 198 units sit in Centre, PA; largest Centre, PA properties: Mount Nittany Residences (State College) 151 units, 150 assisted; Brockerhoff House (Bellefonte) 33 units, 33 assisted; Lutheran Commons At Pleasant Gap (Bellefonte) 14 units, 14 assisted in Centre, PA.
Lenders with branches in Centre, PA
Centre, PA lenders by branch count: First Nb Of Pennsylvania (Centre, PA): stress 55, 9 branches low in Centre, PA; Kish Bank (Centre, PA): stress 73, 4 branches low in Centre, PA; Northwest Bank (Centre, PA): stress 58, 4 branches low in Centre, PA; Cnb Bank (Centre, PA): stress 60, 3 branches low in Centre, PA; Reliance Savings Bank (Centre, PA): stress 77, 2 branches low in Centre, PA; Ameriserv Financial Bank (Centre, PA): stress 73, 1 branch low in Centre, PA; Fulton Bank National Assn (Centre, PA): stress 61, 1 branch low in Centre, PA; Central Penn Bank&Trust (Centre, PA): stress 59, 1 branch low in Centre, PA.
Vacancy and permits, Centre, PA
7,462 of 66,475 Centre, PA housing units are vacant; Centre, PA permits, twelve months: 241 multifamily units in Centre, PA, 248 one-to-four unit units.
Work Centre, PA at the parcel level
Every Centre, PA parcel carries owner and address; every Centre, PA parcel carries APN; Centre, PA distress scores sit on the Centre, PA live board.
Centre, PA figures refresh with each source.
Centre, PA questions
Most distressed ZIP code in Centre County, PA?
ZIP 16666 leads Centre, PA at 27/100; next in Centre, PA: 16860 at 24/100; the Centre, PA average is 16/100.
Where does Centre County, PA rank for investment opportunity?
Centre, PA is #3,174 among all ranked counties, #67 in Pennsylvania; the Centre, PA driver is bank institutional; Centre, PA moved down 35 places.
How many mortgages are delinquent in Centre County, PA?
Centre, PA takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Centre, PA.
Which banks lend in Centre County, PA?
8 watched lenders hold Centre, PA branches; the largest Centre, PA footprints are First Nb Of Pennsylvania (9), Kish Bank (4), Northwest Bank (4).
More on Centre, PA
Centre County, PA distress report: public-record figures for Centre, PA; not legal advice for Centre, PA; not tax or investment advice; verify every Centre, PA record before acting.