ZIP 18222 Foreclosure, Tax-Lien & Distress Report
Luzerne County, Pennsylvania · Distress market
Composite property distress in 18222 (Luzerne County, Pennsylvania) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Latent structural risk is 57/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).
The expansion-phase market in 18222 posted values that rose 7.4% over the year, and 18% higher over three years (phase confidence 41/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The tenure split is 87% owner-occupied to 13% rented. The vacancy rate is 9.3%. Rent burden reaches 28% of tenant households. Around 30% of adults hold a bachelor's degree or higher. At $102,656, median income runs above typical U.S. levels. The typical home is worth about $241,000 (2.2× income, relatively affordable). Roughly 9.8% live below the poverty line. DLRadar's demographic-stress index for the area reads 23/100. There are about 3,844 housing units across 18222. 9,946 residents call 18222 home, typically aged 45.
Net-net, 18222 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 18222 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 18222's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 18222 shows blanks, not estimates, wherever the record is sparse.
The 25/100 for 18222 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 18222 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 18222’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
18222 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 18222, the same set carried on every parcel.
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Deterministic. Every signal traces to a public dataset · methodology