ZIP 18322 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 18322 (Monroe County, Pennsylvania) returns a low composite of 21/100. Latent structural risk is 47/100 while live distress already moving reads 3/100. Climate and flood risk are elevated too — climate & FEMA risk (85/100), flood (NFIP) exposure (65/100). What sets it apart are the readings on structural risk (47/100), construction/permit lag (34/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (10/100) register low.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 87% of homes, renters 13%. On demographic stress specifically, 18322 scores 22/100. The typical home is worth about $294,000 (2.5× income, relatively affordable). Median household income is $108,642, above the U.S. median near $78,000. About 2,821 people live here, median age 47. There are about 905 housing units across 18322. 2.5% of residents fall below the poverty threshold. Rent burden reaches 26% of tenant households. The vacancy rate is 5.6%. About 26% have a four-year degree.

On balance, 18322 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 18322 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 18322 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 18322 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 18322 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. In workflow terms, 18322 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.