Centre County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Centre County, Pennsylvania? DLRadar grades every Centre County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Centre County breakdown.
- Centre County's most distressed ZIP is 16666 at 28/100.
- 35 ZIP codes tracked in Centre County, averaging 16/100 distress.
- Centre County reads peak — home values up 3.1% year over year.
- Vacancy runs 14.4% across Centre County's tracked ZIPs, with a 10.8% poverty rate.
- The typical Centre County home is worth about $242,997 against a ~$72,034 median income.
- Lending headwind in Centre County sits at 34/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 16666 | 28/100 |
| 2 | 16860 | 25/100 |
| 3 | 16686 | 21/100 |
| 4 | 16822 | 19/100 |
| 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 ZIP codes in Centre County (composite distress 0-100, 2026)
What is driving Centre County distress
Centre County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Centre County market phase and pricing
Centre County currently sits in peak after a 3.1% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
Which Centre County ZIP scores worst for distress?
ZIP 16666 leads Centre County at 28/100, recomputed monthly from public records.
How would you describe the Centre County market phase?
Phase for Centre County: peak, tracking a 3.1% gain year over year, read off the FHFA index.
What is this Centre County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 35 ZIP codes in Centre County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Centre County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Centre County ZIPs DLRadar ranks, scores run from 28/100 in 16666 down to 15/100 in 16826, against a Centre County average of 16/100. A spread of 13 points means Centre County has to be worked ZIP by ZIP.
What do Centre County home values and vacancy say about distressed supply?
The typical Centre County home carries about $242,997 of value against a median household income near $72,034. Vacancy across Centre County's tracked ZIPs runs 14.4% and the poverty rate is 10.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Centre County's foreclosure and lien data and its 34/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.