ZIP 16646 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 16646 (Cambria County, Pennsylvania) at a moderate 42/100 for overall property distress. Property-level stress concentrates in 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. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100), climate & FEMA risk (75/100), FEMA disaster exposure (73/100). The latent-versus-live split is 67/100 structural and 7/100 already moving.

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 $61,929 — below the roughly $78,000 national figure. Around 65% of renters are cost-burdened. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. About 16% have a four-year degree. The vacancy rate is 9.3%. On demographic stress specifically, 16646 scores 27/100. A median home runs $119,200 here, or 1.9 times local income. The ZIP holds roughly 1,025 housing units. About 2,124 people live here, median age 50. The tenure split is 89% owner-occupied to 11% rented.

Net-net, 16646 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.