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

Elk County, PA, Pennsylvania: 15 ZIP codes scored, Elk County, PA averaging 24/100 (low, Elk, PA), from 16 to 25. Elk County, PA is in its peak phase (Elk, PA confidence 28/100): Elk, PA home prices up 4.2% (Elk, PA) over twelve months. Elk County, PA lender headwind: 42/100.

Highest-scoring Elk County, PA ZIPs: 15821 (25/100), 15823 (25/100), 15827 (25/100), 15831 (25/100), 15841 (25/100), 15845 (25/100). Also scored in Elk County, PA: 15846, 15853, 15857, 15868, 15870, 16734, 15860, 16735, 15832.

Across Elk County, PA's scored ZIPs: median home value $117,214, household income $63,524, 29.4% vacancy, 6.9% poverty, 79% owner-occupied, median age 50.5.

Elk County, PA insurance distress 69/100 (#651 in the US); FEMA hazard 63/100 for Elk, PA; 2 federal disaster declarations in Elk County, PA since 2023; 9 Elk, PA NFIP flood claims, $188K paid; Elk, PA construction distress 67/100.

5 banks with 12 branches lend in Elk County, PA; Elk, PA weighted bank stress 54/100, highest 60/100 in Elk, PA.

Elk County, PA unemployment 4.0% (Elk, PA -0.5 pts, six months); 39 new housing units permitted in Elk County, PA over twelve months, Elk, PA down 15% from 46; Elk, PA home prices +8.4% a year (Elk, PA) over three years.

16,880 housing units in Elk County, PA; 2,850 Elk, PA renter households; 38% of Elk, PA renters spend 30%+ of income on rent, 15% (Elk, PA) half or more.

Elk County, PA ranks #515 nationally on the opportunity index (Elk, PA, among all ranked counties); Elk, PA scores 33.4/100 and Elk, PA sits #4 inside Pennsylvania. Elk, PA is in the peak_opportunity opportunity phase; Elk, PA's primary driver is vacancy, Elk, PA second driver construction; Elk, PA moved up 351 places. 3 short-sale listings across Elk, PA; 87 days on market observed in Elk, PA; 15.8% vacancy over 15 Elk, PA ZIPs.

No CFPB county sample covers Elk County, PA. The non-metro area reading for Elk, PA: 1.6% ninety-plus days late; Elk, PA's thirty-to-eighty-nine share is 2.1% (Elk, PA, December 2025 data); Pennsylvania overall 1.0%.

Elk County, PA has 4 watched banks; 4 Elk, PA banks sit in an elevated band. Elk, PA footprints: Northwest Bank (4 branches, stress 58) in Elk, PA; Cnb Bank (3 branches, stress 60) in Elk, PA; First Commonwealth Bank (2 branches, stress 54) in Elk, PA.

HUD lists 3 assisted multifamily properties in Elk County, PA with 142 units; 141 Elk, PA units are assisted, 1 Elk, PA properties under project-based Section 8.

3,555 of the 16,880 housing units in Elk, PA sit vacant. Elk County, PA permitted 0 multifamily units in twelve months; Elk, PA's one-to-four unit structures added 39 units in Elk County, PA.