Luzerne County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Luzerne County, PA distress report, 2026: 51 ZIPs scored in Luzerne, PA, Luzerne, PA average 24/100; the top Luzerne, PA ZIP is 18201 at 25/100; Luzerne, PA market phase expansion, Luzerne, PA prices +7.4% year over year.
- Luzerne, PA ranks #2,346 nationally (opportunity index); Luzerne, PA #45 in Pennsylvania; Luzerne, PA index 26.5.
- Luzerne, PA ninety-day mortgage delinquency 1.3% in December 2025; Luzerne, PA twelve-month change +0.2%.
- Luzerne, PA ZIP phases: 47 expansion, 4 peak.
- Luzerne, PA residential listings tracked: 22 across 41 ZIPs; Luzerne, PA candidate listings 10.
- Luzerne, PA HUD assisted properties: 6 with 726 units.
- Luzerne, PA lenders on watch: 8; largest Luzerne, PA footprint Peoples Security B&T Co (9 branches).
- Luzerne, PA most distressed ZIP: 18201 at 25/100.
Luzerne, PA figures: DLRadar distress index; Luzerne, PA inputs: CFPB, FHFA, HUD, FDIC; Luzerne, PA rebuilt as sources refresh.
| Rank | Luzerne, PA ZIP | Score |
|---|---|---|
| 1 | 18201 | 25/100 |
| 2 | 18219 | 25/100 |
| 3 | 18221 | 25/100 |
| 4 | 18222 | 25/100 |
| 5 | 18223 | 25/100 |
| 6 | 18224 | 25/100 |
| 7 | 18225 | 25/100 |
| 8 | 18234 | 25/100 |
| 9 | 18239 | 25/100 |
| 10 | 18241 | 25/100 |
| 11 | 18246 | 25/100 |
| 12 | 18249 | 25/100 |
Most distressed Luzerne, PA ZIPs (0-100, 2026)
Mortgage delinquency in Luzerne, PA
1.3% of Luzerne, PA mortgages were ninety-plus days late (Luzerne, PA, December 2025); Luzerne, PA thirty-to-eighty-nine days late: 3.0%; Luzerne, PA twelve-month change +0.2%; Luzerne, PA peak since 2008: 4.9% (May 2012); Pennsylvania overall 1.0%. Luzerne, PA ninety-day series: Dec 24 1.1, Jan 25 1.0, Feb 25 1.1 (Luzerne, PA), Mar 25 1.2, Apr 25 1.3, May 25 1.3 (Luzerne, PA), Jun 25 1.2, Jul 25 1.1, Aug 25 1.1 (Luzerne, PA), Sep 25 1.3, Oct 25 1.3, Nov 25 1.3 (Luzerne, PA), Dec 25 1.3.
Opportunity index: Luzerne, PA
Luzerne, PA index 26.5, Luzerne, PA phase weak; Luzerne, PA primary driver vacancy, Luzerne, PA second driver bank institutional. Luzerne, PA components: property stress 16.0, foreclosure pressure 14.6, listing discounts 19.0, bank stress 55.4, insurance 0.0; Luzerne, PA pulse 31.0; Luzerne, PA capital opportunity 19.7; Luzerne, PA seven-day change +0.4%.
ZIP market phases inside Luzerne, PA
51 Luzerne, PA ZIPs carry a price-cycle phase; Luzerne, PA ZIPs by phase (Luzerne, PA), deepest drawdown first: peak, +5.0% YoY (Luzerne, PA): 17814; peak, +4.3% YoY (Luzerne, PA): 17815; expansion, +5.1% YoY (Luzerne, PA): 17878; expansion, +7.3% YoY (Luzerne, PA): 18201, 18241; expansion, +7.0% YoY (Luzerne, PA): 18202; expansion, +5.4% YoY (Luzerne, PA): 18216; expansion, +7.4% YoY (Luzerne, PA): 18219, 18221, 18222, 18223, Luzerne, PA 18224, 18225, 18234, 18239, Luzerne, PA 18246.
Residential listings by Luzerne, PA ZIP
Luzerne, PA ZIPs with the most tracked Luzerne, PA residential listings: 18702 3 listings, 2 candidates, bank pressure 62; 18202 2 listings, 1 candidates, bank pressure 62; 18219 2 listings, 0 candidates, bank pressure 62; 18224 2 listings, 1 candidates, bank pressure 62 (Luzerne, PA); 18249 2 listings, 0 candidates, bank pressure 62; 18634 2 listings, 2 candidates, bank pressure 62; 18644 2 listings, 0 candidates, bank pressure 62; 18655 2 listings, 2 candidates, bank pressure 64. Luzerne, PA totals: 22 listings; Luzerne, PA candidates 10; active ZIPs 13.
HUD assisted housing in Luzerne, PA
6 assisted properties with 726 units sit in Luzerne, PA; largest Luzerne, PA properties: Eagle Ridge Apartments (Edwardsville) 252 units, 251 assisted; Daniel J. Flood Towers (Kingston) 210 units, 210 assisted; Washington Square Apts (Wilkes-Barre) 153 units, 146 assisted in Luzerne, PA; Freeland Elderly Iii (Freeland) 63 units, 63 assisted; The Palmer House (Wilkes Barre) 28 units, 28 assisted; Plainsview (Plains) 20 units, 20 assisted.
Lenders with branches in Luzerne, PA
Luzerne, PA lenders by branch count: Peoples Security B&T Co (Luzerne, PA): stress 61, 9 branches low in Luzerne, PA; First Keystone Cmty Bank (Luzerne, PA): stress 79, 8 branches low in Luzerne, PA; Northwest Bank (Luzerne, PA): stress 58, 8 branches low in Luzerne, PA; Fidelity Deposit&Discount Bk (Luzerne, PA): stress 73, 7 branches moderate in Luzerne, PA; First Nb Of Pennsylvania (Luzerne, PA): stress 55, 3 branches low in Luzerne, PA; Wayne Bank (Luzerne, PA): stress 73, 2 branches low in Luzerne, PA; Mid Penn Bank (Luzerne, PA): stress 57, 2 branches low in Luzerne, PA; Honesdale National Bank (Luzerne, PA): stress 49, 2 branches low in Luzerne, PA.
Vacancy and permits, Luzerne, PA
16,232 of 151,287 Luzerne, PA housing units are vacant; Luzerne, PA permits, twelve months: 29 multifamily units in Luzerne, PA, 281 one-to-four unit units.
Work Luzerne, PA at the parcel level
Every Luzerne, PA parcel carries owner and address; every Luzerne, PA parcel carries APN; Luzerne, PA distress scores sit on the Luzerne, PA live board.
Luzerne, PA figures refresh with each source.
Luzerne, PA questions
Most distressed ZIP code in Luzerne County, PA?
ZIP 18201 leads Luzerne, PA at 25/100; next in Luzerne, PA: 18219 at 25/100; the Luzerne, PA average is 24/100.
Where does Luzerne County, PA rank for investment opportunity?
Luzerne, PA is #2,346 among all ranked counties, #45 in Pennsylvania; the Luzerne, PA driver is vacancy; Luzerne, PA moved down 269 places.
How many mortgages are delinquent in Luzerne County, PA?
1.3% of Luzerne, PA mortgages were ninety-plus days late in December 2025; the Luzerne, PA peak since 2008 was 4.9%.
Which banks lend in Luzerne County, PA?
8 watched lenders hold Luzerne, PA branches; the largest Luzerne, PA footprints are Peoples Security B&T Co (9), First Keystone Cmty Bank (8), Northwest Bank (8).
More on Luzerne, PA
Luzerne County, PA distress report: public-record figures for Luzerne, PA; not legal advice for Luzerne, PA; not tax or investment advice; verify every Luzerne, PA record before acting.