ZIP 15961 Foreclosure, Tax-Lien & Distress Report

ZIP code 15961 in Indiana County, Pennsylvania carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (flood (NFIP) exposure (80/100), climate & FEMA risk (67/100)). Leading the profile are structural risk (56/100), institutional ownership (50/100), construction/permit lag (32/100). On the quiet end sit construction/permit lag (32/100) and mortgage stress (23/100). On the structural side it scores 56/100, with 7/100 of stress already active.

The market reads peak — home values rose 4.6% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

823 residents call 15961 home, typically aged 46. The poverty rate is 13.1%. Home values center near $99,000, an affordability ratio of 1.7× — accessible. The tenure split is 80% owner-occupied to 20% rented. On demographic stress specifically, 15961 scores 29/100. There are about 441 housing units across 15961. The vacancy rate is 16.8% — elevated. Households earn a median $53,472 — below the roughly $78,000 national figure. Educational attainment sits at 14% bachelor's-or-above. Around 60% of renters are cost-burdened.

On the whole, 15961 leans distressed, with opportunity clustered in specific stressed parcels. 15961 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 15961 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 15961 can be compared directly against any other ZIP in Indiana County, Pennsylvania or nationwide. Sparse data for 15961 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 figure for 15961 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. For a buyer, 15961 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.