ZIP 18202 Foreclosure, Tax-Lien & Distress Report

In Luzerne County, Pennsylvania, ZIP 18202 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (85/100)). The split runs 55/100 structural to 3/100 active on the ground. Its standout signals are structural risk (55/100), construction/permit lag (48/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100).

The market reads expansion — home values rose 7.0% year on year, and 26% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 15.2%, above the national norm and a classic distress-and-opportunity signal. About 13,477 people live here, median age 42. 21.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 33/100. Owners hold 72% of homes, renters 28%. About 21% have a four-year degree. At $55,517, median income runs below typical U.S. levels. The typical home is worth about $212,000 (3.3× income, relatively affordable). Rent burden reaches 38% of tenant households. There are about 6,154 housing units across 18202.

On the whole, 18202 leans distressed, with opportunity clustered in specific stressed parcels. 18202 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 18202 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 18202, the field stays empty rather than modeled, and fills in as new documents post.

18202's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 18202 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.