ZIP 15540 Foreclosure, Tax-Lien & Distress Report

ZIP code 15540 in Somerset County, Pennsylvania carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (44/100), construction/permit lag (37/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (11/100) register low. Structural risk reads 44/100 against active distress of 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (81/100), climate & FEMA risk (64/100).

The peak-phase market in 15540 posted values that rose 4.2% over the year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 8.4% live below the poverty line. Vacancy runs 54.2%, above the national norm and a classic distress-and-opportunity signal. At $69,009, median income runs near typical U.S. levels. Rent burden reaches 0% of tenant households. The demographic-stress sub-score lands at 25/100. About 14% have a four-year degree. The ZIP holds roughly 343 housing units. Home values center near $206,800, an affordability ratio of 2.6× — accessible. 88% of housing is owner-occupied. 367 residents call 15540 home, typically aged 53.

Net-net, 15540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 15540 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 15540 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 15540 reflects the current record instead of a stale or modeled snapshot.

The 19/100 figure for 15540 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 15540 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.