ZIP 18020 Property Distress & Foreclosure Data

ZIP code 18020 in Northampton County, Pennsylvania carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (40/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. The latent-versus-live split is 40/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (64/100).

The market reads expansion — home values rose 7.1% year on year, and 22% higher over three years (phase confidence 41/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $122,610 — above the roughly $78,000 national figure. Roughly 6.2% live below the poverty line, a low share typical of higher-equity areas. About 42% have a four-year degree. About 21,144 people live here, median age 42. Around 36% of renters are cost-burdened. The ZIP holds roughly 7,961 housing units. A median home runs $370,200 here, or 2.9 times local income. The tenure split is 85% owner-occupied to 15% rented. On demographic stress specifically, 18020 scores 24/100. The vacancy rate is 3.0%.

Overall 18020 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.