ZIP 16851 Property Distress & Foreclosure Data

ZIP code 16851 in Centre County, Pennsylvania carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (72/100), structural risk (50/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (68/100), flood (NFIP) exposure (61/100)). The latent-versus-live split is 50/100 structural and 2/100 already moving.

The peak-phase market in 16851 posted values that rose 2.1% over the year, 1.2% off the recent peak, and 12% higher over three years (phase confidence 29/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 8% of renters are cost-burdened. The poverty rate is 9.2%. The demographic-stress sub-score lands at 22/100. Around 38% of adults hold a bachelor's degree or higher. Population is roughly 993 with a median age of 35. 62% of housing is owner-occupied. The ZIP holds roughly 422 housing units. The typical home is worth about $420,400. The vacancy rate is 18.6% — elevated.

On the whole, 16851 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.