Somerset County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Somerset County, Pennsylvania? DLRadar grades every Somerset County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Somerset County breakdown.
- Somerset County's most distressed ZIP is 15904 at 29/100.
- 41 ZIP codes tracked in Somerset County, averaging 20/100 distress.
- Somerset County reads peak — home values up 4.2% year over year.
- Vacancy runs 21.9% across Somerset County's tracked ZIPs, with a 9% poverty rate.
- The typical Somerset County home is worth about $157,583 against a ~$63,000 median income.
- Lending headwind in Somerset County sits at 77/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 15904 | 29/100 |
| 2 | 15905 | 25/100 |
| 3 | 15622 | 23/100 |
| 4 | 15963 | 22/100 |
| 5 | 15424 | 21/100 |
| 6 | 15531 | 21/100 |
| 7 | 15501 | 20/100 |
| 8 | 15534 | 20/100 |
| 9 | 15559 | 20/100 |
| 10 | 15411 | 19/100 |
| 11 | 15502 | 19/100 |
| 12 | 15510 | 19/100 |
Most distressed ZIP codes in Somerset County (composite distress 0-100, 2026)
What is driving Somerset County distress
Somerset County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 20/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Somerset County market phase and pricing
Phase for Somerset County: peak (+4.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Somerset County
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Frequently asked questions
Which ZIP code leads Somerset County on distress?
ZIP 15904 leads Somerset County at 29/100, recomputed monthly from public records.
Which phase does Somerset County sit in right now?
Phase for Somerset County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
What are the sources behind these Somerset County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 41 Somerset County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Somerset County ZIP codes?
One county number flattens a wide range. Across the Somerset County ZIPs DLRadar ranks, scores run from 29/100 in 15904 down to 19/100 in 15510, against a Somerset County average of 20/100. A spread of 10 points means Somerset County has to be worked ZIP by ZIP.
What do Somerset County home values and vacancy say about distressed supply?
The typical Somerset County home carries about $157,583 of value against a median household income near $63,000. Vacancy across Somerset County's tracked ZIPs runs 21.9% and the poverty rate is 9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Somerset County's foreclosure and tax-lien filings and its 77/100 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.