ZIP 18086 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 18086 (Northampton County, Pennsylvania) returns a low composite of 23/100. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (62/100)). Structural risk reads 52/100 against active distress of 2/100. The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (52/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100).

Prices here sit in a peak phase: values rose 4.7% over the trailing year, at 30/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $66,721, below the U.S. median near $78,000. The poverty rate is 0.0% — low. Rent burden reaches 0% of tenant households. DLRadar's demographic-stress index for the area reads 21/100. The ZIP holds roughly 138 housing units. About 14% have a four-year degree. The vacancy rate is 0.0%. Owners hold 92% of homes, renters 8%. The typical home is worth about $310,000 (3.9× income, relatively affordable). Population is roughly 316 with a median age of 62.

On balance 18086 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 18086 at the moment; the composite and its components are still built from verifiable records.

Whether 18086 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18086 can be compared directly against any other ZIP in Northampton County, Pennsylvania or nationwide. Sparse data for 18086 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 18086's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 18086 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.