ZIP 16868 Foreclosure, Tax-Lien & Distress Report

ZIP code 16868 in Centre County, Pennsylvania carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (60/100). Structurally it carries 32/100, against 2/100 of stress already in motion. Its heaviest discrete signals: structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).

The peak-phase market in 16868 posted values that rose 3.1% over the year, and 35% higher over three years (phase confidence 17/100). Topping markets hide individual distress behind strong averages.

Households earn a median $160,747 — above the roughly $78,000 national figure. The ZIP holds roughly 514 housing units. The demographic-stress sub-score lands at 12/100. Vacancy runs 15.7%, above the national norm and a classic distress-and-opportunity signal. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 97% of housing is owner-occupied. Around 64% of adults hold a bachelor's degree or higher. The typical home is worth about $372,900 (1.9× income, relatively affordable). Rent burden reaches 0% of tenant households. Population is roughly 1,174 with a median age of 54.

Net-net, 16868 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 16868 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 16868 runs through one identical public-record model, so its 15/100 sits on the same scale as every other ZIP in Centre County, Pennsylvania and the nation. The score is rebuilt from public data as it updates, so 16868 reflects the current record instead of a stale or modeled snapshot.

Each component behind 16868 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 16868 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.