ZIP 15636 Foreclosure, Tax-Lien & Distress Report

ZIP 15636's composite property-distress score is 26/100 - DLRadar classes that as low for Westmoreland County, Pennsylvania. The pressure is most legible in construction/permit lag (60/100), structural risk (59/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (9/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). Structural risk reads 59/100 against active distress of 3/100.

The peak-phase market in 15636 posted values that rose 2.7% over the year, and 13% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Owners hold 85% of homes, renters 15%. The ZIP holds roughly 1,478 housing units. Median household income is $151,250, above the U.S. median near $78,000. Educational attainment sits at 50% bachelor's-or-above. Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 20/100. 3,839 residents call 15636 home, typically aged 46. Home values center near $368,500, an affordability ratio of 2.3× — accessible. Rent burden reaches 31% of tenant households. Vacancy runs 3.1%.

Net-net, 15636 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 15636 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 15636 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 15636, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 15636 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 15636 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.