Erie County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Erie County, PA distress report, 2026: 35 ZIPs scored in Erie, PA, Erie, PA average 25/100; the top Erie, PA ZIP is 16401 at 25/100; Erie, PA market phase expansion, Erie, PA prices +7.9% year over year.
- Erie, PA ranks #1,960 nationally (opportunity index); Erie, PA #33 in Pennsylvania; Erie, PA index 27.8.
- Erie, PA ninety-day mortgage delinquency 0.8% in December 2025; Erie, PA twelve-month change 0.0%.
- Erie, PA ZIP phases: 33 expansion, 2 peak.
- Erie, PA residential listings tracked: 52 across 33 ZIPs; Erie, PA candidate listings 38.
- Erie, PA HUD assisted properties: 35 with 1,502 units.
- Erie, PA lenders on watch: 5; largest Erie, PA footprint Northwest Bank (13 branches).
- Erie, PA most distressed ZIP: 16401 at 25/100.
Erie, PA figures: DLRadar distress index; Erie, PA inputs: CFPB, FHFA, HUD, FDIC; Erie, PA rebuilt as sources refresh.
| Rank | Erie, PA ZIP | Score |
|---|---|---|
| 1 | 16401 | 25/100 |
| 2 | 16410 | 25/100 |
| 3 | 16411 | 25/100 |
| 4 | 16415 | 25/100 |
| 5 | 16417 | 25/100 |
| 6 | 16421 | 25/100 |
| 7 | 16423 | 25/100 |
| 8 | 16426 | 25/100 |
| 9 | 16427 | 25/100 |
| 10 | 16428 | 25/100 |
| 11 | 16430 | 25/100 |
| 12 | 16441 | 25/100 |
Most distressed Erie, PA ZIPs (0-100, 2026)
Mortgage delinquency in Erie, PA
0.8% of Erie, PA mortgages were ninety-plus days late (Erie, PA, December 2025); Erie, PA thirty-to-eighty-nine days late: 2.8%; Erie, PA twelve-month change 0.0%; Erie, PA peak since 2008: 3.0% (February 2012); Pennsylvania overall 1.0%. Erie, PA ninety-day series: Dec 24 0.8, Jan 25 0.6, Feb 25 0.4 (Erie, PA), Mar 25 0.2, Apr 25 0.4, May 25 0.2 (Erie, PA), Jun 25 0.3, Jul 25 0.4, Aug 25 0.4 (Erie, PA), Sep 25 0.6, Oct 25 0.8, Nov 25 0.8 (Erie, PA), Dec 25 0.8.
Opportunity index: Erie, PA
Erie, PA index 27.8, Erie, PA phase weak; Erie, PA primary driver construction, Erie, PA second driver bank institutional. Erie, PA components: property stress 12.0, foreclosure pressure 9.8, listing discounts 29.2, bank stress 56.4, insurance 0.0; Erie, PA pulse 31.1; Erie, PA capital opportunity 22.8.
ZIP market phases inside Erie, PA
35 Erie, PA ZIPs carry a price-cycle phase; Erie, PA ZIPs by phase (Erie, PA), deepest drawdown first: expansion, +7.7% YoY (Erie, PA): 16401; peak, +4.5% YoY (Erie, PA): 16403; expansion, +6.9% YoY (Erie, PA): 16407; expansion, +7.9% YoY (Erie, PA): 16410, 16411, 16415, 16417, Erie, PA 16421, 16423, 16426, 16427, Erie, PA 16428, 16430; expansion, +7.1% YoY (Erie, PA): 16412; peak, +4.3% YoY (Erie, PA): 16435; expansion, +6.8% YoY (Erie, PA): 16438.
Residential listings by Erie, PA ZIP
Erie, PA ZIPs with the most tracked Erie, PA residential listings: 16506 8 listings, 8 candidates, bank pressure 67; 16407 7 listings, 4 candidates, bank pressure 62; 16417 6 listings, 4 candidates, bank pressure 67; 16511 5 listings, 5 candidates, bank pressure 67 (Erie, PA); 16426 3 listings, 3 candidates, bank pressure 67; 16442 3 listings, 3 candidates, bank pressure 67; 16503 3 listings, 1 candidates, bank pressure 67; 16510 3 listings, 1 candidates, bank pressure 67. Erie, PA totals: 52 listings; Erie, PA candidates 38; active ZIPs 17.
HUD assisted housing in Erie, PA
35 assisted properties with 1,502 units sit in Erie, PA; largest Erie, PA properties: Shadow Pines Apartments (Erie) 216 units; Lakeview Apartments (Erie) 172 units; Cherry Hill Apartments (Erie) 124 units in Erie, PA; Carriage Hill Apartments (Erie) 118 units; The Village On Pacific (Erie) 100 units; Benetwood Apts. (Harborcreek) 76 units, 75 assisted.
Lenders with branches in Erie, PA
Erie, PA lenders by branch count: Northwest Bank (Erie, PA): stress 58, 13 branches low in Erie, PA; First Nb Of Pennsylvania (Erie, PA): stress 55, 10 branches low in Erie, PA; Marquette Savings Bank (Erie, PA): stress 74, 7 branches moderate in Erie, PA; Cnb Bank (Erie, PA): stress 60, 6 branches low in Erie, PA; Clarion Cnty Cmty Bank (Erie, PA): stress 90, 1 branch moderate in Erie, PA.
Vacancy and permits, Erie, PA
9,524 of 120,111 Erie, PA housing units are vacant; Erie, PA permits, twelve months: 0 multifamily units in Erie, PA, 157 one-to-four unit units.
Work Erie, PA at the parcel level
Every Erie, PA parcel carries owner and address; every Erie, PA parcel carries APN; Erie, PA distress scores sit on the Erie, PA live board.
Erie, PA figures refresh with each source.
Erie, PA questions
Most distressed ZIP code in Erie County, PA?
ZIP 16401 leads Erie, PA at 25/100; next in Erie, PA: 16410 at 25/100; the Erie, PA average is 25/100.
Where does Erie County, PA rank for investment opportunity?
Erie, PA is #1,960 among all ranked counties, #33 in Pennsylvania; the Erie, PA driver is construction; Erie, PA moved up 89 places.
How many mortgages are delinquent in Erie County, PA?
0.8% of Erie, PA mortgages were ninety-plus days late in December 2025; the Erie, PA peak since 2008 was 3.0%.
Which banks lend in Erie County, PA?
5 watched lenders hold Erie, PA branches; the largest Erie, PA footprints are Northwest Bank (13), First Nb Of Pennsylvania (10), Marquette Savings Bank (7).
More on Erie, PA
Erie County, PA distress report: public-record figures for Erie, PA; not legal advice for Erie, PA; not tax or investment advice; verify every Erie, PA record before acting.