ZIP 16820 Property Distress & Foreclosure Data

In Centre County, Pennsylvania, ZIP 16820 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (72/100), structural risk (50/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (61/100). On the structural side it scores 50/100, with 2/100 of stress already active.

The market reads peak — home values rose 2.1% year on year, 1.2% off the recent peak (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

Households earn a median $81,369 — near the roughly $78,000 national figure. About 1,657 people live here, median age 19. Roughly 12.9% live below the poverty line. About 16% have a four-year degree. Around 29% of renters are cost-burdened. On demographic stress specifically, 16820 scores 30/100. A median home runs $263,600 here, or 3.2 times local income. The ZIP holds roughly 509 housing units. The vacancy rate is 11.5% — elevated. The tenure split is 86% owner-occupied to 14% rented.

Overall 16820 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.