ZIP 19540 Foreclosure, Tax-Lien & Distress Report
Berks County, Pennsylvania · Distress market
ZIP 19540's composite property-distress score is 21/100 - DLRadar classes that as low for Berks County, Pennsylvania. Its heaviest discrete signals: structural risk (46/100), institutional ownership (20/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and construction/permit lag (2/100). Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (91/100). The latent-versus-live split is 46/100 structural and 2/100 already moving.
The market reads peak — home values rose 4.6% year on year, and 25% higher over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 32% have a four-year degree. Around 27% of renters are cost-burdened. 5.6% of residents fall below the poverty threshold. Home values center near $319,600, an affordability ratio of 3.0× — accessible. Owners hold 82% of homes, renters 19%. Population is roughly 11,705 with a median age of 41. DLRadar's demographic-stress index for the area reads 24/100. The vacancy rate is 3.9%. Median household income is $96,066, above the U.S. median near $78,000. There are about 4,590 housing units across 19540.
Overall 19540 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 19540 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Big metro or rural, 19540 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Berks County, Pennsylvania and the nation. Nothing here is interpolated — where a source is thin for 19540, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 21/100 figure for 19540 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 an operator, 19540 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 19540 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 19540 distress snapshot
Current distress, phase, housing and lender-pressure figures for 19540, drawn from the same report attached to each property.
Neighbouring ZIPs in Berks County
Nearest ZIP codes to 19540
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Pennsylvania distress
Further distress data across Berks County, Pennsylvania at ZIP, county and state level.
See every distressed parcel in 19540
See who owns each distressed property in 19540, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
No modelling: every input is a public record · methodology