Cumberland County, PA: Foreclosures, Tax Liens & Distressed Properties

Cumberland County, PA, Pennsylvania: 21 ZIP codes scored, Cumberland County, PA averaging 22/100 (low, Cumberland, PA), from 17 to 27. Cumberland County, PA is in its peak phase (Cumberland, PA confidence 31/100): Cumberland, PA home prices up 4.3% (Cumberland, PA) over twelve months. Cumberland County, PA lender headwind: 36/100.

Highest-scoring Cumberland County, PA ZIPs: 17019 (27/100), 17070 (27/100), 17055 (23/100), 17007 (22/100), 17011 (22/100), 17013 (22/100). Also scored in Cumberland County, PA: 17015, 17025, 17027, 17043, 17050, 17065, 17081, 17093, 17240, 17241.

Across Cumberland County, PA's scored ZIPs: median home value $254,776, household income $87,682, 5.1% vacancy, 8.0% poverty, 78% owner-occupied, median age 40.7.

Cumberland County, PA insurance distress 27/100 (#1,688 in the US); FEMA hazard 0/100 for Cumberland, PA; 14 Cumberland, PA NFIP flood claims, $282K paid; Cumberland, PA construction distress 32/100.

20 banks with 60 branches lend in Cumberland County, PA; Cumberland, PA weighted bank stress 59/100, highest 92/100 in Cumberland, PA.

Cumberland County, PA unemployment 3.3% (Cumberland, PA -0.2 pts, six months); 946 new housing units permitted in Cumberland County, PA over twelve months, Cumberland, PA up 21% from 783; Cumberland, PA home prices +9.7% a year (Cumberland, PA) over three years.

111,278 housing units in Cumberland County, PA; 30,114 Cumberland, PA renter households; 39% of Cumberland, PA renters spend 30%+ of income on rent, 19% (Cumberland, PA) half or more.

Cumberland County, PA ranks #2,643 nationally on the opportunity index (Cumberland, PA, among all ranked counties); Cumberland, PA scores 25.2/100 and Cumberland, PA sits #56 inside Pennsylvania. Cumberland, PA is in the weak opportunity phase; Cumberland, PA's primary driver is bank institutional, Cumberland, PA second driver listings discount; Cumberland, PA moved up 386 places. 19 short-sale listings across Cumberland, PA; 74 days on market observed in Cumberland, PA; 4.5% vacancy over 21 Cumberland, PA ZIPs.

0.5% of Cumberland County, PA mortgages were ninety-plus days late in December 2025; Cumberland, PA's thirty-to-eighty-nine-day share was 1.6% (CFPB county sample). Cumberland, PA's ninety-day rate is up 0.2 points on twelve months earlier; the Cumberland, PA peak since 2008 was 2.1% in January 2012; Pennsylvania overall reads 1.0%.

Cumberland County, PA has 11 watched banks; 11 Cumberland, PA banks sit in an elevated band. Cumberland, PA footprints: Farmers&Merchants Tr Chamber (8 branches, stress 71) in Cumberland, PA; Orrstown Bank (5 branches, stress 53) in Cumberland, PA; Mid Penn Bank (4 branches, stress 57) in Cumberland, PA.

HUD lists 6 assisted multifamily properties in Cumberland County, PA with 652 units; 368 Cumberland, PA units are assisted, 3 Cumberland, PA properties under project-based Section 8.

4,851 of the 111,278 housing units in Cumberland, PA sit vacant. Cumberland County, PA permitted 274 multifamily units in twelve months; Cumberland, PA's one-to-four unit structures added 672 units in Cumberland County, PA.