ZIP 16040 Foreclosure, Tax-Lien & Distress Report

In Butler County, Pennsylvania, ZIP 16040 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (81/100)). The split runs 54/100 structural to 3/100 active on the ground. The pressure is most legible in structural risk (54/100), construction/permit lag (49/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low.

Prices here sit in a peak phase: values rose 2.7% over the trailing year (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

At $87,891, median income runs above typical U.S. levels. Rent burden reaches 36% of tenant households. The ZIP holds roughly 378 housing units. 1,013 residents call 16040 home, typically aged 38. Home values center near $177,700, an affordability ratio of 1.9× — accessible. 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. No parcel file is published for 16040 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 16040 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 16040 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 16040's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 16040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.