ZIP 18224 Property Distress & Foreclosure Data

In Luzerne County, Pennsylvania, ZIP 18224 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout 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. On the structural side it scores 58/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

The market reads expansion — home values rose 6.8% year on year, and 3% higher over three years (phase confidence 46/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 21% of renters are cost-burdened. Roughly 15.7% live below the poverty line. About 5,954 people live here, median age 45. About 18% have a four-year degree. The vacancy rate is 10.2%. The ZIP holds roughly 3,020 housing units. Households earn a median $57,361 — below the roughly $78,000 national figure. A median home runs $130,400 here, or 2.0 times local income. On demographic stress specifically, 18224 scores 25/100. The tenure split is 68% owner-occupied to 32% rented.

Net-net, 18224 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.