Luzerne County, PA: Foreclosures, Tax Liens & Distressed Properties

Luzerne County, PA, Pennsylvania: 51 ZIP codes scored, Luzerne County, PA averaging 24/100 (low, Luzerne, PA), from 16 to 25. Luzerne County, PA is in its expansion phase (Luzerne, PA confidence 41/100): Luzerne, PA home prices up 7.4% (Luzerne, PA) over twelve months. Luzerne County, PA lender headwind: 34/100.

Highest-scoring Luzerne County, PA ZIPs: 18201 (25/100), 18219 (25/100), 18221 (25/100), 18222 (25/100), 18223 (25/100), 18224 (25/100). Also scored in Luzerne County, PA: 18225, 18234, 18239, 18241, 18246, 18249, 18256, 18424, 18602, 18612.

Across Luzerne County, PA's scored ZIPs: median home value $191,609, household income $65,028, 14.5% vacancy, 12.9% poverty, 76% owner-occupied, median age 44.5.

Luzerne County, PA insurance distress 30/100 (#1,609 in the US); FEMA hazard 0/100 for Luzerne, PA; 8 Luzerne, PA NFIP flood claims, $685K paid; Luzerne, PA construction distress 48/100.

18 banks with 84 branches lend in Luzerne County, PA; Luzerne, PA weighted bank stress 64/100, highest 79/100 in Luzerne, PA.

Luzerne County, PA unemployment 5.2% (Luzerne, PA -0.6 pts, six months); 310 new housing units permitted in Luzerne County, PA over twelve months, Luzerne, PA up 1% from 306; Luzerne, PA home prices +11.2% a year (Luzerne, PA) over three years.

151,287 housing units in Luzerne County, PA; 43,026 Luzerne, PA renter households; 41% of Luzerne, PA renters spend 30%+ of income on rent, 23% (Luzerne, PA) half or more.

Luzerne County, PA ranks #2,346 nationally on the opportunity index (Luzerne, PA, among all ranked counties); Luzerne, PA scores 26.5/100 and Luzerne, PA sits #45 inside Pennsylvania. Luzerne, PA is in the weak opportunity phase; Luzerne, PA's primary driver is vacancy, Luzerne, PA second driver bank institutional; Luzerne, PA moved down 269 places. 9 short-sale listings across Luzerne, PA; 42 days on market observed in Luzerne, PA; 11.5% vacancy over 51 Luzerne, PA ZIPs.

1.3% of Luzerne County, PA mortgages were ninety-plus days late in December 2025; Luzerne, PA's thirty-to-eighty-nine-day share was 3.0% (CFPB county sample). Luzerne, PA's ninety-day rate is up 0.2 points on twelve months earlier; the Luzerne, PA peak since 2008 was 4.9% in May 2012; Pennsylvania overall reads 1.0%.

Luzerne County, PA has 9 watched banks; 9 Luzerne, PA banks sit in an elevated band. Luzerne, PA footprints: Peoples Security B&T Co (9 branches, stress 61) in Luzerne, PA; First Keystone Cmty Bank (8 branches, stress 79) in Luzerne, PA; Northwest Bank (8 branches, stress 58) in Luzerne, PA.

HUD lists 6 assisted multifamily properties in Luzerne County, PA with 726 units; 718 Luzerne, PA units are assisted, 3 Luzerne, PA properties under project-based Section 8.

16,232 of the 151,287 housing units in Luzerne, PA sit vacant. Luzerne County, PA permitted 29 multifamily units in twelve months; Luzerne, PA's one-to-four unit structures added 281 units in Luzerne County, PA.