ZIP 16040 Property Distress & Foreclosure Data

ZIP code 16040 in Butler County, Pennsylvania carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (81/100). The latent-versus-live split is 51/100 structural and 3/100 already moving. What sets it apart are the readings on structural risk (51/100), construction/permit lag (36/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low.

The market reads peak — home values rose 4.7% year on year (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

Households earn a median $87,891 — above the roughly $78,000 national figure. Around 36% of renters are cost-burdened. The ZIP holds roughly 378 housing units. About 1,013 people live here, median age 38. A median home runs $177,700 here, or 1.9 times local income. About 19% have a four-year degree. The vacancy rate is 9.3%. On demographic stress specifically, 16040 scores 24/100. Roughly 8.0% live below the poverty line. The tenure split is 86% owner-occupied to 14% rented.

Overall 16040 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.