Cumberland County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, Pennsylvania? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 17019 at 27/100.
- 21 ZIP codes tracked in Cumberland County, averaging 22/100 distress.
- Cumberland County reads peak — home values up 4.3% year over year.
- Vacancy runs 5.1% across Cumberland County's tracked ZIPs, with a 8% poverty rate.
- The typical Cumberland County home is worth about $254,776 against a ~$87,682 median income.
- Lending headwind in Cumberland County sits at 36/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 17019 | 27/100 |
| 2 | 17070 | 27/100 |
| 3 | 17011 | 23/100 |
| 4 | 17055 | 23/100 |
| 5 | 17007 | 22/100 |
| 6 | 17013 | 22/100 |
| 7 | 17015 | 22/100 |
| 8 | 17025 | 22/100 |
| 9 | 17027 | 22/100 |
| 10 | 17043 | 22/100 |
| 11 | 17050 | 22/100 |
| 12 | 17065 | 22/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
Cumberland County's placement in the national index rests on public filings — a 22/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Cumberland County market phase and pricing
DLRadar places Cumberland County in peak; prices moved up 4.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cumberland County
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What people ask
Where is distress highest inside Cumberland County, PA?
ZIP 17019 leads Cumberland County at 27/100, recomputed monthly from public records.
Where is Cumberland County in the housing cycle?
Cumberland County currently sits in peak, with values up 4.3% year on year, based on FHFA price-index trajectory.
Where does the Cumberland County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 21 Cumberland County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Cumberland County ZIP codes?
A single county score papers over real variation. Across the Cumberland County ZIPs DLRadar ranks, scores run from 27/100 in 17019 down to 22/100 in 17065, against a Cumberland County average of 22/100. That 5-point gap is why acquisition targeting in Cumberland County works at ZIP level rather than county level.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $254,776 of value against a median household income near $87,682. Vacancy across Cumberland County's tracked ZIPs runs 5.1% and the poverty rate is 8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Cumberland County's filings and its 36/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.