ZIP 15866 Property Distress & Foreclosure Data

ZIP code 15866 in Clearfield County, Pennsylvania carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 70 and live distress 7 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (80/100), structural risk (70/100), institutional ownership (56/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (66/100).

The market reads expansion — home values rose 5.5% year on year, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 160 people live here, median age 33. Vacancy runs 18.3%, above the national norm and a classic distress-and-opportunity signal. A median home runs $90,000 here, or 1.4 times local income. About 12% have a four-year degree. The tenure split is 91% owner-occupied to 9% rented. On demographic stress specifically, 15866 scores 17/100. Roughly 4.4% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 0% of tenant households. There are about 72 housing units across 15866. Households earn a median $78,750 — near the roughly $78,000 national figure.

Net-net, 15866 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.