Cumberland County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cumberland County, PA distress report, 2026: 21 ZIPs scored in Cumberland, PA, Cumberland, PA average 22/100; the top Cumberland, PA ZIP is 17019 at 27/100; Cumberland, PA market phase peak, Cumberland, PA prices +4.3% year over year.
- Cumberland, PA ranks #2,649 nationally (opportunity index); Cumberland, PA #56 in Pennsylvania; Cumberland, PA index 25.2.
- Cumberland, PA ninety-day mortgage delinquency 0.5% in December 2025; Cumberland, PA twelve-month change +0.2%.
- Cumberland, PA ZIP phases: 18 peak, 2 expansion, 1 neutral.
- Cumberland, PA residential listings tracked: 36 across 17 ZIPs; Cumberland, PA candidate listings 15.
- Cumberland, PA HUD assisted properties: 6 with 652 units.
- Cumberland, PA lenders on watch: 8; largest Cumberland, PA footprint Farmers&Merchants Tr Chamber (8 branches).
- Cumberland, PA most distressed ZIP: 17019 at 27/100.
Cumberland, PA figures: DLRadar distress index; Cumberland, PA inputs: CFPB, FHFA, HUD, FDIC; Cumberland, PA rebuilt as sources refresh.
| Rank | Cumberland, PA ZIP | Score |
|---|---|---|
| 1 | 17019 | 27/100 |
| 2 | 17070 | 27/100 |
| 3 | 17055 | 23/100 |
| 4 | 17007 | 22/100 |
| 5 | 17011 | 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 Cumberland, PA ZIPs (0-100, 2026)
Mortgage delinquency in Cumberland, PA
0.5% of Cumberland, PA mortgages were ninety-plus days late (Cumberland, PA, December 2025); Cumberland, PA thirty-to-eighty-nine days late: 1.6%; Cumberland, PA twelve-month change +0.2%; Cumberland, PA peak since 2008: 2.1% (January 2012); Pennsylvania overall 1.0%. Cumberland, PA ninety-day series: Dec 24 0.3, Jan 25 0.5, Feb 25 0.3 (Cumberland, PA), Mar 25 0.1, Apr 25 0.2, May 25 0.2 (Cumberland, PA), Jun 25 0.2, Jul 25 0.2, Aug 25 0.3 (Cumberland, PA), Sep 25 0.5, Oct 25 0.4, Nov 25 0.5 (Cumberland, PA), Dec 25 0.5.
Opportunity index: Cumberland, PA
Cumberland, PA index 25.2, Cumberland, PA phase weak; Cumberland, PA primary driver bank institutional, Cumberland, PA second driver listings discount. Cumberland, PA components: property stress 8.9, foreclosure pressure 5.9, listing discounts 36.5, bank stress 56.0, insurance 0.0; Cumberland, PA pulse 25.2; Cumberland, PA capital opportunity 25.2; Cumberland, PA seven-day change +0.1%.
ZIP market phases inside Cumberland, PA
21 Cumberland, PA ZIPs carry a price-cycle phase; Cumberland, PA ZIPs by phase (Cumberland, PA), deepest drawdown first: neutral, +3.8% YoY, 0.5% off peak (Cumberland, PA): 17307; peak, +4.1% YoY, 0.2% off peak (Cumberland, PA): 17324; peak, +3.9% YoY, 0.0% off peak (Cumberland, PA): 17240; peak, +4.0% YoY, 0.0% off peak (Cumberland, PA): 17257; expansion, +5.2% YoY, 0.0% off peak (Cumberland, PA): 17019; peak, +4.3% YoY (Cumberland, PA): 17007, 17011, 17013, 17015, Cumberland, PA 17025, 17027, 17043, 17050, Cumberland, PA 17053, 17065; peak, +4.4% YoY (Cumberland, PA): 17055.
Residential listings by Cumberland, PA ZIP
Cumberland, PA ZIPs with the most tracked Cumberland, PA residential listings: 17065 7 listings, 5 candidates, bank pressure 59; 17257 6 listings, 3 candidates, bank pressure 61; 17025 5 listings, 4 candidates, bank pressure 59; 17011 4 listings, 1 candidates, bank pressure 58 (Cumberland, PA); 17015 4 listings, 0 candidates, bank pressure 59; 17050 3 listings, 1 candidates, bank pressure 59; 17013 2 listings, 0 candidates, bank pressure 59; 17055 2 listings, 1 candidates, bank pressure 58. Cumberland, PA totals: 36 listings; Cumberland, PA candidates 15; active ZIPs 10.
HUD assisted housing in Cumberland, PA
6 assisted properties with 652 units sit in Cumberland, PA; largest Cumberland, PA properties: The Strand At Arcona (Mechanicsburg) 282 units; Bethany Towers (Mechanicsburg) 150 units, 149 assisted; Mallard Run (Camp Hill) 101 units, 100 assisted in Cumberland, PA; Episcopal Square Apartments (Shippensburg) 95 units, 95 assisted; Shippen House (Shippensburg) 24 units, 24 assisted; Hampden Greene Apartments (Enola) 0 units.
Lenders with branches in Cumberland, PA
Cumberland, PA lenders by branch count: Farmers&Merchants Tr Chamber (Cumberland, PA): stress 71, 8 branches low in Cumberland, PA; Orrstown Bank (Cumberland, PA): stress 53, 5 branches low in Cumberland, PA; Mid Penn Bank (Cumberland, PA): stress 57, 4 branches low in Cumberland, PA; First Nb Of Pennsylvania (Cumberland, PA): stress 55, 4 branches low in Cumberland, PA; First Commonwealth Bank (Cumberland, PA): stress 54, 2 branches low in Cumberland, PA; S&T Bank (Cumberland, PA): stress 48, 2 branches low in Cumberland, PA; Pennian Bank (Cumberland, PA): stress 92, 1 branch low in Cumberland, PA; Fulton Bank National Assn (Cumberland, PA): stress 61, 1 branch low in Cumberland, PA.
Vacancy and permits, Cumberland, PA
4,851 of 111,278 Cumberland, PA housing units are vacant; Cumberland, PA permits, twelve months: 274 multifamily units in Cumberland, PA, 672 one-to-four unit units.
Work Cumberland, PA at the parcel level
Every Cumberland, PA parcel carries owner and address; every Cumberland, PA parcel carries APN; Cumberland, PA distress scores sit on the Cumberland, PA live board.
Cumberland, PA figures refresh with each source.
Cumberland, PA questions
Most distressed ZIP code in Cumberland County, PA?
ZIP 17019 leads Cumberland, PA at 27/100; next in Cumberland, PA: 17070 at 27/100; the Cumberland, PA average is 22/100.
Where does Cumberland County, PA rank for investment opportunity?
Cumberland, PA is #2,649 among all ranked counties, #56 in Pennsylvania; the Cumberland, PA driver is bank institutional; Cumberland, PA moved up 380 places.
How many mortgages are delinquent in Cumberland County, PA?
0.5% of Cumberland, PA mortgages were ninety-plus days late in December 2025; the Cumberland, PA peak since 2008 was 2.1%.
Which banks lend in Cumberland County, PA?
8 watched lenders hold Cumberland, PA branches; the largest Cumberland, PA footprints are Farmers&Merchants Tr Chamber (8), Orrstown Bank (5), Mid Penn Bank (4).
More on Cumberland, PA
Cumberland County, PA distress report: public-record figures for Cumberland, PA; not legal advice for Cumberland, PA; not tax or investment advice; verify every Cumberland, PA record before acting.