ZIP 18038 Foreclosure, Tax-Lien & Distress Report

Northampton County, Pennsylvania's ZIP 18038 registers 22/100 composite distress, which DLRadar reads as low. The split runs 50/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (63/100). The most distinctive pressure shows up in structural risk (50/100), construction/permit lag (41/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, and 12% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 5.5%. At $111,515, median income runs above typical U.S. levels. Population is roughly 3,459 with a median age of 50. Owners hold 96% of homes, renters 4%. The ZIP holds roughly 1,500 housing units. Around 0% of renters are cost-burdened. Home values center near $279,700, an affordability ratio of 2.2× — accessible. On demographic stress specifically, 18038 scores 17/100. Roughly 1.6% live below the poverty line, a low share typical of higher-equity areas. Around 16% of adults hold a bachelor's degree or higher.

Overall 18038 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.

The 18038 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 18038 stays directly comparable to neighboring ZIPs and the rest of Northampton County, Pennsylvania. Nothing here is interpolated — where a source is thin for 18038, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

18038's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 18038 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.