ZIP 16646 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 16646 (Cambria County, Pennsylvania) lands at 28/100 — low on DLRadar's distress scoring. Leading the profile are structural risk (61/100), institutional ownership (49/100), construction/permit lag (46/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (60/100). Structural exposure scores 61 and live distress 7 on the 0–100 scale.

The market reads expansion — home values rose 5.0% year on year, 1.1% off the recent peak, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $61,929, below the U.S. median near $78,000. Rent burden reaches 65% of tenant households. The poverty rate is 5.9% — low. Educational attainment sits at 16% bachelor's-or-above. Vacancy runs 9.3%. DLRadar's demographic-stress index for the area reads 27/100. A median home runs $119,200 here, or 1.9 times local income. There are about 1,025 housing units across 16646. About 2,124 people live here, median age 50. The tenure split is 89% owner-occupied to 11% rented.

Overall, 16646 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 16646 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 16646 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 16646 can be compared directly against any other ZIP in Cambria County, Pennsylvania or nationwide. Sparse data for 16646 shows as blanks, never estimates, and the score updates on every fresh public filing.

16646's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 16646 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.