ZIP 16865 Property Distress & Foreclosure Data

ZIP code 16865 in Centre County, Pennsylvania carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (65/100), flood (NFIP) exposure (62/100). What sets it apart are the readings on 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. Structural risk reads 50/100 against active distress of 2/100.

The market reads peak — home values rose 2.6% year on year, 1.0% off the recent peak, and 6% lower over three years, at 30/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 77% owner-occupied to 23% rented. A median home runs $270,700 here, or 3.3 times local income. On demographic stress specifically, 16865 scores 26/100. Rent burden reaches 45% of tenant households. About 1,657 people live here, median age 50. There are about 827 housing units across 16865. About 49% have a four-year degree. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 0.8%. Households earn a median $76,389 — near the roughly $78,000 national figure.

Net-net, 16865 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.