ZIP 18221 Foreclosure, Tax-Lien & Distress Report

In Luzerne County, Pennsylvania, ZIP 18221 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 57/100, against 3/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (88/100). The sharpest non-environmental signals are structural risk (57/100), construction/permit lag (49/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (9/100).

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

435 residents call 18221 home, typically aged 34. Households earn a median $68,393 — below the roughly $78,000 national figure. Home values center near $204,300, an affordability ratio of 2.8× — accessible. Owners hold 79% of homes, renters 21%. The ZIP holds roughly 258 housing units. Around 10% of adults hold a bachelor's degree or higher. Vacancy runs 14.6%, above the national norm and a classic distress-and-opportunity signal. 11.3% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 23/100. Rent burden reaches 0% of tenant households.

Taken together, 18221 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 18221 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 18221 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18221 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 18221 shows blanks, not estimates, wherever the record is sparse.

18221's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 18221 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.