ZIP 16838 Property Distress & Foreclosure Data

ZIP code 16838 in Clearfield County, Pennsylvania carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (66/100). What sets it apart are the readings on construction/permit lag (80/100), structural risk (70/100), institutional ownership (56/100). By contrast, mortgage stress (23/100) register low. Structural exposure scores 70 and live distress 7 on the 0–100 scale.

The market reads expansion — home values rose 5.5% year on year, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 18.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 44% of tenant households. The tenure split is 78% owner-occupied to 22% rented. About 17% have a four-year degree. About 1,820 people live here, median age 48. There are about 929 housing units across 16838. A median home runs $118,400 here, or 2.1 times local income. Households earn a median $57,446 — below the roughly $78,000 national figure. Roughly 18.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 16838 scores 29/100.

Net-net, 16838 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.