ZIP 15940 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 15940 (Cambria County, Pennsylvania) lands at 29/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (73/100). Latent structural risk is 64/100 while live distress already moving reads 7/100. The sharpest non-environmental signals are structural risk (64/100), institutional ownership (56/100), construction/permit lag (45/100). On the quiet end sit mortgage stress (23/100).

The expansion-phase market in 15940 posted values that rose 5.0% over the year, 1.2% off the recent peak, and 27% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $86,250, near the U.S. median near $78,000. About 19% have a four-year degree. The poverty rate is 9.7%. Rent burden reaches 36% of tenant households. DLRadar's demographic-stress index for the area reads 27/100. The tenure split is 87% owner-occupied to 13% rented. 3,823 residents call 15940 home, typically aged 30. The vacancy rate is 12.6% — elevated. Home values center near $238,900, an affordability ratio of 2.7× — accessible. The ZIP holds roughly 788 housing units.

On the whole, 15940 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 15940 is not published yet -- the ZIP-level readings above remain fully sourced.

The 15940 read uses the identical scoring model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 15940 stays directly comparable to neighboring ZIPs and the rest of Cambria County, Pennsylvania. Sparse data for 15940 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 29/100 figure for 15940 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. Treat 15940 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.