ZIP 15946 Foreclosure, Tax-Lien & Distress Report

Cambria County, Pennsylvania's ZIP 15946 registers 27/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (61/100), construction/permit lag (56/100), institutional ownership (41/100). mortgage stress (18/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (75/100), flood (NFIP) exposure (75/100)). Latent structural risk is 61/100 while live distress already moving reads 5/100.

The market reads expansion — home values rose 5.5% year on year, and 23% higher over three years, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Rent burden reaches 41% of tenant households. 11.7% of residents fall below the poverty threshold. The typical home is worth about $117,000 (2.0× income, relatively affordable). Population is roughly 6,630 with a median age of 50. Households earn a median $56,602 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 26/100. About 21% have a four-year degree. The ZIP holds roughly 3,194 housing units. The tenure split is 83% owner-occupied to 17% rented. The vacancy rate is 11.1%.

Net-net, 15946 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 15946 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 15946 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Cambria County, Pennsylvania and the nation. The score is rebuilt from public data as it updates, so 15946 reflects the current record instead of a stale or modeled snapshot.

15946's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 15946 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.