ZIP 18219 Foreclosure, Tax-Lien & Distress Report

Luzerne County, Pennsylvania's ZIP 18219 registers 25/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100). On the structural side it scores 57/100, with 3/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)).

The expansion-phase market in 18219 posted values that rose 7.4% over the year, at 41/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $67,941, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 22/100. 8.4% of residents fall below the poverty threshold. Vacancy runs 9.5%. Rent burden reaches 0% of tenant households. A median home runs $236,200 here, or 3.2 times local income. About 34% have a four-year degree. The ZIP holds roughly 600 housing units. 1,072 residents call 18219 home, typically aged 53. 71% of housing is owner-occupied.

On balance 18219 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 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: 18219 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. The score is rebuilt from public data as it updates, so 18219 reflects the current record instead of a stale or modeled snapshot.

Each component behind 18219 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Practically, 18219 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.