Elk County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Elk County, Pennsylvania? DLRadar grades every Elk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Elk County breakdown.
- Elk County's most distressed ZIP is 15821 at 26/100.
- 15 ZIP codes tracked in Elk County, averaging 25/100 distress.
- Elk County reads peak — home values up 4.2% year over year.
- Vacancy runs 29.4% across Elk County's tracked ZIPs, with a 6.9% poverty rate.
- The typical Elk County home is worth about $117,214 against a ~$63,524 median income.
- Lending headwind in Elk County sits at 42/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 15821 | 26/100 |
| 2 | 15827 | 26/100 |
| 3 | 15831 | 26/100 |
| 4 | 15841 | 26/100 |
| 5 | 15845 | 26/100 |
| 6 | 15846 | 26/100 |
| 7 | 15853 | 26/100 |
| 8 | 15857 | 26/100 |
| 9 | 15868 | 26/100 |
| 10 | 15870 | 26/100 |
| 11 | 16734 | 26/100 |
| 12 | 15823 | 25/100 |
Most distressed ZIP codes in Elk County (composite distress 0-100, 2026)
What is driving Elk County distress
DLRadar builds Elk County's distress picture only from records anyone can pull; its ZIPs average 25/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Elk County market phase and pricing
The cycle in Elk County is peak, with values up 4.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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What people ask
What is the hardest-hit ZIP in Elk County?
ZIP 15821 leads Elk County at 26/100, recomputed monthly from public records.
What stage of the price cycle is Elk County at?
Phase for Elk County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
How is the Elk County data sourced?
Every Elk County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 15 Elk County ZIP codes that it runs on every other U.S. county, so Elk County's numbers are directly comparable to any other market.
How much do distress scores vary between Elk County ZIP codes?
The county figure is a blend, not a description. Across the Elk County ZIPs DLRadar ranks, scores run from 26/100 in 15821 down to 25/100 in 15823, against a Elk County average of 25/100. That 1-point gap is why acquisition targeting in Elk County works at ZIP level rather than county level.
What do Elk County home values and vacancy say about distressed supply?
The typical Elk County home carries about $117,214 of value against a median household income near $63,524. Vacancy across Elk County's tracked ZIPs runs 29.4% and the poverty rate is 6.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Elk County's filings and its 42/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.