ZIP 18201 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 18201 (Luzerne County, Pennsylvania) returns a low composite of 25/100. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (84/100)). The sharpest non-environmental signals are structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. On the structural side it scores 57/100, with 3/100 of stress already active.

The expansion-phase market in 18201 posted values that rose 7.3% over the year, and 25% higher over three years (phase confidence 40/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 8.9%. The demographic-stress sub-score lands at 37/100. A median home runs $153,200 here, or 3.0 times local income. 51% of housing is owner-occupied. Households earn a median $43,983 — below the roughly $78,000 national figure. There are about 13,317 housing units across 18201. 31,428 residents call 18201 home, typically aged 39. Around 48% of renters are cost-burdened. Educational attainment sits at 12% bachelor's-or-above. The poverty rate is 26.6% — high, a tax-stress and distress correlate.

Taken together, 18201 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 18201 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 18201, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 18201 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Practically, 18201 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.