ZIP 16838 Foreclosure, Tax-Lien & Distress Report

Clearfield County, Pennsylvania's ZIP 16838 registers 31/100 composite distress, which DLRadar reads as moderate. Environmental exposure also runs high (flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (66/100)). Its standout signals are construction/permit lag (85/100), structural risk (71/100), institutional ownership (55/100). By contrast, mortgage stress (23/100) register low. Structurally it carries 71/100, against 7/100 of stress already in motion.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 18.1%, above the national norm and a classic distress-and-opportunity signal. Around 44% of renters are cost-burdened. Owners hold 78% of homes, renters 22%. Educational attainment sits at 17% bachelor's-or-above. Population is roughly 1,820 with a median age of 48. There are about 929 housing units across 16838. Home values center near $118,400, an affordability ratio of 2.1× — accessible. At $57,446, median income runs below typical U.S. levels. 18.6% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 29/100.

Net-net, 16838 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 16838 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 16838's 31/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 16838, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 31/100 for 16838 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 16838 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.