ZIP 16866 Foreclosure, Tax-Lien & Distress Report

ZIP code 16866 in Centre County, Pennsylvania carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: structural risk (34/100), institutional ownership (17/100), mortgage stress (9/100). By contrast, institutional ownership (17/100) and mortgage stress (9/100) register low. The split runs 34/100 structural to 3/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (61/100).

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 18% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $48,580, below the U.S. median near $78,000. The vacancy rate is 10.7%. Around 37% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher. 17.0% of residents fall below the poverty threshold. The typical home is worth about $150,300 (2.8× income, relatively affordable). The ZIP holds roughly 4,135 housing units. DLRadar's demographic-stress index for the area reads 30/100. The tenure split is 67% owner-occupied to 33% rented. About 8,924 people live here, median age 45.

Net-net, 16866 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.

The 16866 read uses the identical scoring model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 16866 stays directly comparable to neighboring ZIPs and the rest of Centre County, Pennsylvania. The score is rebuilt from public data as it updates, so 16866 reflects the current record instead of a stale or modeled snapshot.

Behind 16866's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 16866 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.