ZIP 18045 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 18045 (Northampton County, Pennsylvania) lands at 22/100 — low on DLRadar's public-record scoring. Latent structural risk is 50/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (63/100). The sharpest non-environmental signals are structural risk (50/100), construction/permit lag (41/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100).

The peak-phase market in 18045 posted values that rose 4.7% over the year, and 21% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

29,896 residents call 18045 home, typically aged 45. Owners hold 80% of homes, renters 20%. The typical home is worth about $337,200 (2.8× income, relatively affordable). Around 44% of adults hold a bachelor's degree or higher. Rent burden reaches 41% of tenant households. The vacancy rate is 2.6%. On demographic stress specifically, 18045 scores 24/100. Roughly 2.9% live below the poverty line, a low share typical of higher-equity areas. There are about 12,540 housing units across 18045. Median household income is $109,068, above the U.S. median near $78,000.

Broadly, 18045 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 18045 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 18045 can be compared directly against any other ZIP in Northampton County, Pennsylvania or nationwide. 18045 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 22/100 for 18045 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 18045 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.