ZIP 15864 Foreclosure, Tax-Lien & Distress Report

ZIP code 15864 in Jefferson County, Pennsylvania carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (40/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (4/100) stay muted. The latent-versus-live split is 40/100 structural and 2/100 already moving.

The market reads expansion — home values rose 5.1% year on year, at 42/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 1,852 people live here, median age 45. Home values center near $141,400, an affordability ratio of 2.4× — accessible. The demographic-stress sub-score lands at 25/100. Educational attainment sits at 17% bachelor's-or-above. The tenure split is 78% owner-occupied to 22% rented. The vacancy rate is 14.5% — elevated. Rent burden reaches 17% of tenant households. There are about 808 housing units across 15864. 14.7% of residents fall below the poverty threshold. Median household income is $61,417, below the U.S. median near $78,000.

On the whole, 15864 leans distressed, with opportunity clustered in specific stressed parcels. 15864 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 15864 read uses the identical public-record model applied coast to coast, which means its 17/100 score means exactly what it means anywhere else, and 15864 stays directly comparable to neighboring ZIPs and the rest of Jefferson County, Pennsylvania. 15864 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 15864's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 15864 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.