ZIP 16841 Foreclosure, Tax-Lien & Distress Report

Centre County, Pennsylvania's ZIP 16841 registers 15/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (68/100), flood (NFIP) exposure (60/100). The most distinctive pressure shows up in structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. The latent-versus-live split is 32/100 structural and 2/100 already moving.

The market reads peak — home values rose 3.1% year on year, and 25% higher over three years (phase confidence 17/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 6,346 with a median age of 40. 13.2% of residents fall below the poverty threshold. There are about 2,778 housing units across 16841. The vacancy rate is 17.8% — elevated. Owners hold 84% of homes, renters 16%. About 17% have a four-year degree. On demographic stress specifically, 16841 scores 33/100. At $66,965, median income runs below typical U.S. levels. Home values center near $190,200, an affordability ratio of 3.1× — accessible. Around 54% of renters are cost-burdened.

On the whole, 16841 leans distressed, with opportunity clustered in specific stressed parcels. While 16841 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 16841 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 16841, the field stays empty rather than modeled, and fills in as new documents post.

16841's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 16841 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.