Elk County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Elk County, PA distress report, 2026: 15 ZIPs scored in Elk, PA, Elk, PA average 26/100; the top Elk, PA ZIP is 15821 at 27/100; Elk, PA market phase peak, Elk, PA prices +4.2% year over year.
- Elk, PA ranks #431 nationally (opportunity index); Elk, PA #4 in Pennsylvania; Elk, PA index 33.8.
- Elk, PA: no CFPB county sample; Elk, PA non-metro area reading 1.6%.
- Elk, PA ZIP phases: 14 peak, 1 expansion.
- Elk, PA residential listings tracked: 3 across 12 ZIPs; Elk, PA candidate listings 2.
- Elk, PA HUD assisted properties: 3 with 142 units.
- Elk, PA lenders on watch: 4; largest Elk, PA footprint Northwest Bank (4 branches).
- Elk, PA most distressed ZIP: 15821 at 27/100.
Elk, PA figures: DLRadar distress index; Elk, PA inputs: CFPB, FHFA, HUD, FDIC; Elk, PA rebuilt as sources refresh.
| Rank | Elk, PA ZIP | Score |
|---|---|---|
| 1 | 15821 | 27/100 |
| 2 | 15827 | 27/100 |
| 3 | 15831 | 27/100 |
| 4 | 15841 | 27/100 |
| 5 | 15845 | 27/100 |
| 6 | 15846 | 27/100 |
| 7 | 15853 | 27/100 |
| 8 | 15857 | 27/100 |
| 9 | 15868 | 27/100 |
| 10 | 15870 | 27/100 |
| 11 | 16734 | 27/100 |
| 12 | 15823 | 26/100 |
Most distressed Elk, PA ZIPs (0-100, 2026)
Mortgage delinquency around Elk, PA
No CFPB county sample covers Elk, PA; the non-metro area reading for Elk, PA: 1.6% ninety-plus; Elk, PA area thirty-to-eighty-nine 2.1% (December 2025, Elk, PA); Pennsylvania overall 1.0%.
Opportunity index: Elk, PA
Elk, PA index 33.8, Elk, PA phase peak_opportunity; Elk, PA primary driver vacancy, Elk, PA second driver construction. Elk, PA components: property stress 25.0, foreclosure pressure 25.2, listing discounts 36.6, bank stress 47.1, insurance 0.0; Elk, PA pulse 36.2; Elk, PA capital opportunity 30.2; Elk, PA seven-day change +0.4%.
ZIP market phases inside Elk, PA
15 Elk, PA ZIPs carry a price-cycle phase; Elk, PA ZIPs by phase (Elk, PA), deepest drawdown first: peak, +4.2% YoY (Elk, PA): 15821, 15827, 15831, 15841, Elk, PA 15845, 15846, 15857, 15868, Elk, PA 15870, 16734, 16735; peak, +4.4% YoY (Elk, PA): 15823; expansion, +5.0% YoY (Elk, PA): 15832; peak, +4.3% YoY (Elk, PA): 15853; peak, +4.7% YoY (Elk, PA): 15860.
Residential listings by Elk, PA ZIP
Elk, PA ZIPs with the most tracked Elk, PA residential listings: 15846 2 listings, 2 candidates, bank pressure 47; 15853 1 listings, 0 candidates, bank pressure 56; 15821 0 listings, 0 candidates, bank pressure 47; 15823 0 listings, 0 candidates, bank pressure 56 (Elk, PA); 15827 0 listings, 0 candidates, bank pressure 47; 15831 0 listings, 0 candidates, bank pressure 47; 15841 0 listings, 0 candidates, bank pressure 47; 15845 0 listings, 0 candidates, bank pressure 47. Elk, PA totals: 3 listings; Elk, PA candidates 2; active ZIPs 1.
HUD assisted housing in Elk, PA
3 assisted properties with 142 units sit in Elk, PA; largest Elk, PA properties: Elk Towers (Saint Marys) 103 units, 102 assisted; St. Joseph's Terrace (Weedville) 22 units, 22 assisted; Fox Township Manor (Kersey) 17 units, 17 assisted in Elk, PA.
Lenders with branches in Elk, PA
Elk, PA lenders by branch count: Northwest Bank (Elk, PA): stress 58, 4 branches low in Elk, PA; Cnb Bank (Elk, PA): stress 60, 3 branches low in Elk, PA; First Commonwealth Bank (Elk, PA): stress 54, 2 branches low in Elk, PA; Hamlin Bank&Trust Co (Elk, PA): stress 3, 1 branch low in Elk, PA.
Vacancy and permits, Elk, PA
3,555 of 16,880 Elk, PA housing units are vacant; Elk, PA permits, twelve months: 0 multifamily units in Elk, PA, 39 one-to-four unit units.
Work Elk, PA at the parcel level
Every Elk, PA parcel carries owner and address; every Elk, PA parcel carries APN; Elk, PA distress scores sit on the Elk, PA live board.
Elk, PA figures refresh with each source.
Elk, PA questions
Most distressed ZIP code in Elk County, PA?
ZIP 15821 leads Elk, PA at 27/100; next in Elk, PA: 15827 at 27/100; the Elk, PA average is 26/100.
Where does Elk County, PA rank for investment opportunity?
Elk, PA is #431 among all ranked counties, #4 in Pennsylvania; the Elk, PA driver is vacancy; Elk, PA moved up 480 places.
How many mortgages are delinquent in Elk County, PA?
Elk, PA takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Elk, PA.
Which banks lend in Elk County, PA?
4 watched lenders hold Elk, PA branches; the largest Elk, PA footprints are Northwest Bank (4), Cnb Bank (3), First Commonwealth Bank (2).
More on Elk, PA
Elk County, PA distress report: public-record figures for Elk, PA; not legal advice for Elk, PA; not tax or investment advice; verify every Elk, PA record before acting.