Luzerne County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Luzerne County, Pennsylvania? DLRadar grades every Luzerne County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Luzerne County breakdown.
- Luzerne County's most distressed ZIP is 18201 at 25/100.
- 51 ZIP codes tracked in Luzerne County, averaging 24/100 distress.
- Luzerne County reads expansion — home values up 7.4% year over year.
- Vacancy runs 14.5% across Luzerne County's tracked ZIPs, with a 12.9% poverty rate.
- The typical Luzerne County home is worth about $191,609 against a ~$65,028 median income.
- Lending headwind in Luzerne County sits at 34/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 18201 | 25/100 |
| 2 | 18202 | 25/100 |
| 3 | 18219 | 25/100 |
| 4 | 18221 | 25/100 |
| 5 | 18222 | 25/100 |
| 6 | 18223 | 25/100 |
| 7 | 18224 | 25/100 |
| 8 | 18225 | 25/100 |
| 9 | 18234 | 25/100 |
| 10 | 18239 | 25/100 |
| 11 | 18241 | 25/100 |
| 12 | 18246 | 25/100 |
Most distressed ZIP codes in Luzerne County (composite distress 0-100, 2026)
What is driving Luzerne County distress
Luzerne County's placement in the national index rests on public filings — a 24/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Luzerne County market phase and pricing
Phase for Luzerne County: expansion (+7.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Luzerne County
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Common questions
Where is distress highest inside Luzerne County, PA?
ZIP 18201 leads Luzerne County at 25/100, recomputed monthly from public records.
Where is Luzerne County in the housing cycle?
Phase for Luzerne County: expansion, tracking a 7.4% gain year over year, read off the FHFA index.
Which datasets feed the Luzerne County scores?
Luzerne County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 51 ZIPs are comparable to anywhere else.
How much do distress scores vary between Luzerne County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Luzerne County ZIPs DLRadar ranks, scores run from 25/100 in 18201 down to 25/100 in 18246, against a Luzerne County average of 24/100. Those 0 points separate the ZIPs worth working in Luzerne County from the rest.
What do Luzerne County home values and vacancy say about distressed supply?
The typical Luzerne County home carries about $191,609 of value against a median household income near $65,028. Vacancy across Luzerne County's tracked ZIPs runs 14.5% and the poverty rate is 12.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Luzerne County's foreclosure and tax-lien filings and its 34/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.