ZIP 16938 Foreclosure, Tax-Lien & Distress Report
Tioga County, Pennsylvania · High Vacancy market
In Tioga County, Pennsylvania, ZIP 16938 scores 23 of 100 for composite distress, a low level on DLRadar's distress index. Its standout signals are institutional ownership (52/100), structural risk (50/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100). On the structural side it scores 50/100, with 7/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (91/100), climate & FEMA risk (65/100), FEMA disaster exposure (60/100).
The expansion-phase market in 16938 posted values that rose 5.1% over the year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Median household income is $73,929, near the U.S. median near $78,000. The poverty rate is 4.9% — low. Population is roughly 786 with a median age of 54. Around 22% of adults hold a bachelor's degree or higher. Around 36% of renters are cost-burdened. 90% of housing is owner-occupied. The typical home is worth about $182,100 (2.5× income, relatively affordable). There are about 883 housing units across 16938. On demographic stress specifically, 16938 scores 29/100. The vacancy rate is 58.2% — elevated.
Net-net, 16938 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 16938 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: 16938 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 16938, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 16938 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 16938 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 16938’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 16938 Stress Report snapshot
A live read on 16938: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Tioga County ZIP codes
Nearest ZIP codes to 16938
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 16938
Related ZIP, county and statewide reads linked to Tioga County, Pennsylvania.
See every distressed parcel in 16938
Get every distressed property in 16938 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology