ZIP 16037 Foreclosure, Tax-Lien & Distress Report

ZIP code 16037 in Butler County, Pennsylvania carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (80/100). The split runs 55/100 structural to 3/100 active on the ground. The sharpest non-environmental signals are structural risk (55/100), construction/permit lag (54/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low.

The market reads peak — home values rose 2.7% year on year, and 47% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $348,200, an affordability ratio of 3.7× — accessible. Rent burden reaches 44% of tenant households. Median household income is $90,078, above the U.S. median near $78,000. 4,840 residents call 16037 home, typically aged 49. The vacancy rate is 4.0%. Educational attainment sits at 33% bachelor's-or-above. 7.7% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 28/100. Owners hold 90% of homes, renters 10%. There are about 2,202 housing units across 16037.

Overall 16037 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 16037 is not published yet -- the ZIP-level readings above remain fully sourced.

The 16037 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 16037 stays directly comparable to neighboring ZIPs and the rest of Butler County, Pennsylvania. Every figure is auditable to a public dataset and refreshed as records update; 16037 shows blanks, not estimates, wherever the record is sparse.

16037's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 16037 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.