ZIP 18040 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 18040 (Northampton County, Pennsylvania) at a low 22/100 for overall property distress. Its standout signals are structural risk (50/100), construction/permit lag (41/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (90/100), flood (NFIP) exposure (63/100). Latent structural risk is 50/100 while live distress already moving reads 2/100.

The peak-phase market in 18040 posted values that rose 4.7% over the year, and 21% higher over three years (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 4.3%. Rent burden reaches 27% of tenant households. 4.4% of residents fall below the poverty threshold. About 41% have a four-year degree. On demographic stress specifically, 18040 scores 22/100. Population is roughly 17,183 with a median age of 46. At $108,994, median income runs above typical U.S. levels. The typical home is worth about $360,800 (3.2× income, relatively affordable). Owners hold 91% of homes, renters 9%. The ZIP holds roughly 6,806 housing units.

Broadly, 18040 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 18040 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 18040 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18040 can be compared directly against any other ZIP in Northampton County, Pennsylvania or nationwide. 18040 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

18040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 18040 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.