ZIP 18221 Property Distress & Foreclosure Data

Composite property distress in 18221 (Luzerne County, Pennsylvania) lands at 26/100 — low on DLRadar's public-record scoring. Structural risk reads 58/100 against active distress of 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). The sharpest non-environmental signals are construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low.

The market reads expansion — home values rose 6.8% year on year, at 46/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 435 people live here, median age 34. Households earn a median $68,393 — below the roughly $78,000 national figure. A median home runs $204,300 here, or 2.8 times local income. The tenure split is 79% owner-occupied to 21% rented. There are about 258 housing units across 18221. About 10% have a four-year degree. Vacancy runs 14.6%, above the national norm and a classic distress-and-opportunity signal. Roughly 11.3% live below the poverty line. On demographic stress specifically, 18221 scores 23/100. Rent burden reaches 0% of tenant households.

Net-net, 18221 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.