ZIP 16640 Property Distress & Foreclosure Data

In Cambria County, Pennsylvania, ZIP 16640 scores 42 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100), climate & FEMA risk (75/100), FEMA disaster exposure (73/100). On the structural side it scores 67/100, with 7/100 of stress already active. Its standout signals are structural risk (67/100), institutional ownership (57/100), construction/permit lag (55/100). By contrast, price dislocation (25/100) and mortgage stress (23/100) register low.

The market reads peak — home values rose 3.1% year on year, 6.2% off the recent peak (phase confidence 55/100). Topping markets hide individual distress behind strong averages.

Households earn a median $52,500 — below the roughly $78,000 national figure. Roughly 22.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 942 people live here, median age 51. On demographic stress specifically, 16640 scores 37/100. The ZIP holds roughly 756 housing units. The tenure split is 95% owner-occupied to 5% rented. Around 75% of renters are cost-burdened. A median home runs $139,400 here, or 2.4 times local income. About 18% have a four-year degree. The vacancy rate is 43.4% — elevated.

Net-net, 16640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.