Somerset County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Somerset County, PA distress report, 2026: 41 ZIPs scored in Somerset, PA, Somerset, PA average 20/100; the top Somerset, PA ZIP is 15904 at 28/100; Somerset, PA market phase peak, Somerset, PA prices +4.2% year over year.
- Somerset, PA ranks #1,333 nationally (opportunity index); Somerset, PA #18 in Pennsylvania; Somerset, PA index 30.0.
- Somerset, PA: no CFPB county sample; Somerset, PA non-metro area reading 1.6%.
- Somerset, PA ZIP phases: 38 peak, 3 expansion.
- Somerset, PA residential listings tracked: 27 across 35 ZIPs; Somerset, PA candidate listings 18.
- Somerset, PA HUD assisted properties: 2 with 119 units.
- Somerset, PA lenders on watch: 6; largest Somerset, PA footprint Somerset Trust Co (10 branches).
- Somerset, PA most distressed ZIP: 15904 at 28/100.
Somerset, PA figures: DLRadar distress index; Somerset, PA inputs: CFPB, FHFA, HUD, FDIC; Somerset, PA rebuilt as sources refresh.
| Rank | Somerset, PA ZIP | Score |
|---|---|---|
| 1 | 15904 | 28/100 |
| 2 | 15905 | 24/100 |
| 3 | 15622 | 23/100 |
| 4 | 15424 | 21/100 |
| 5 | 15531 | 21/100 |
| 6 | 15963 | 21/100 |
| 7 | 15501 | 20/100 |
| 8 | 15411 | 19/100 |
| 9 | 15502 | 19/100 |
| 10 | 15510 | 19/100 |
| 11 | 15520 | 19/100 |
| 12 | 15530 | 19/100 |
Most distressed Somerset, PA ZIPs (0-100, 2026)
Mortgage delinquency around Somerset, PA
No CFPB county sample covers Somerset, PA; the non-metro area reading for Somerset, PA: 1.6% ninety-plus; Somerset, PA area thirty-to-eighty-nine 2.1% (December 2025, Somerset, PA); Pennsylvania overall 1.0%.
Opportunity index: Somerset, PA
Somerset, PA index 30.0, Somerset, PA phase early_signal; Somerset, PA primary driver vacancy, Somerset, PA second driver bank institutional. Somerset, PA components: property stress 18.6, foreclosure pressure 18.8, listing discounts 29.2, bank stress 57.9, insurance 0.0; Somerset, PA pulse 34.2; Somerset, PA capital opportunity 23.8.
ZIP market phases inside Somerset, PA
41 Somerset, PA ZIPs carry a price-cycle phase; Somerset, PA ZIPs by phase (Somerset, PA), deepest drawdown first: expansion, +5.0% YoY, 1.2% off peak (Somerset, PA): 15904; peak, +4.7% YoY, 0.7% off peak (Somerset, PA): 15905; peak, +4.4% YoY, 0.3% off peak (Somerset, PA): 15963; peak, +4.2% YoY (Somerset, PA): 15411, 15501, 15502, 15510, Somerset, PA 15520, 15530, 15532, 15538, Somerset, PA 15540, 15541; peak, +3.8% YoY (Somerset, PA): 15424; peak, +4.0% YoY (Somerset, PA): 15531; expansion, +5.1% YoY (Somerset, PA): 15534.
Residential listings by Somerset, PA ZIP
Somerset, PA ZIPs with the most tracked Somerset, PA residential listings: 15501 5 listings, 2 candidates, bank pressure 67; 15424 4 listings, 4 candidates, bank pressure 66; 15557 4 listings, 1 candidates, bank pressure 66; 15552 3 listings, 3 candidates, bank pressure 72 (Somerset, PA); 15963 3 listings, 3 candidates, bank pressure 70; 15531 2 listings, 2 candidates, bank pressure 67; 15546 2 listings, 0 candidates, bank pressure 72; 15926 2 listings, 2 candidates, bank pressure 72. Somerset, PA totals: 27 listings; Somerset, PA candidates 18; active ZIPs 2.
HUD assisted housing in Somerset, PA
2 assisted properties with 119 units sit in Somerset, PA; largest Somerset, PA properties: Somerset Towers (Somerset) 87 units, 87 assisted; Lutheran Commons/Berlin Pike (Somerset) 32 units, 32 assisted.
Lenders with branches in Somerset, PA
Somerset, PA lenders by branch count: Somerset Trust Co (Somerset, PA): stress 74, 10 branches elevated in Somerset, PA; Ameriserv Financial Bank (Somerset, PA): stress 73, 4 branches low in Somerset, PA; First Nb Of Pennsylvania (Somerset, PA): stress 55, 3 branches moderate in Somerset, PA; First Commonwealth Bank (Somerset, PA): stress 54, 3 branches low in Somerset, PA; Slovenian S&La Franklin-Cone (Somerset, PA): stress 96, 1 branch low in Somerset, PA; 1st Summit Bank (Somerset, PA): stress 87, 1 branch elevated in Somerset, PA.
Vacancy and permits, Somerset, PA
8,519 of 37,863 Somerset, PA housing units are vacant; Somerset, PA permits, twelve months: 0 multifamily units in Somerset, PA, 67 one-to-four unit units.
Work Somerset, PA at the parcel level
Every Somerset, PA parcel carries owner and address; every Somerset, PA parcel carries APN; Somerset, PA distress scores sit on the Somerset, PA live board.
Somerset, PA figures refresh with each source.
Somerset, PA questions
Most distressed ZIP code in Somerset County, PA?
ZIP 15904 leads Somerset, PA at 28/100; next in Somerset, PA: 15905 at 24/100; the Somerset, PA average is 20/100.
Where does Somerset County, PA rank for investment opportunity?
Somerset, PA is #1,333 among all ranked counties, #18 in Pennsylvania; the Somerset, PA driver is vacancy; Somerset, PA moved down 23 places.
How many mortgages are delinquent in Somerset County, PA?
Somerset, PA takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Somerset, PA.
Which banks lend in Somerset County, PA?
6 watched lenders hold Somerset, PA branches; the largest Somerset, PA footprints are Somerset Trust Co (10), Ameriserv Financial Bank (4), First Nb Of Pennsylvania (3).
More on Somerset, PA
Somerset County, PA distress report: public-record figures for Somerset, PA; not legal advice for Somerset, PA; not tax or investment advice; verify every Somerset, PA record before acting.