ZIP 19038 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 19038 (Montgomery County, Pennsylvania) at a low 26/100 for overall property distress. Leading the profile are structural risk (58/100), construction/permit lag (52/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (81/100). The split runs 58/100 structural to 2/100 active on the ground.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 21% higher over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 84% of homes, renters 16%. The vacancy rate is 2.1%. Rent burden reaches 49% of tenant households. About 56% have a four-year degree. At $113,464, median income runs above typical U.S. levels. 32,157 residents call 19038 home, typically aged 40. The poverty rate is 6.2% — low. On demographic stress specifically, 19038 scores 26/100. The ZIP holds roughly 11,950 housing units. Home values center near $413,100, an affordability ratio of 3.4× — accessible.

Net-net, 19038 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 19038 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 19038's 26/100 can be lined up against any neighbor in Montgomery County, Pennsylvania or any ZIP coast to coast. Where the public record is thin for 19038, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 19038 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 19038 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.