ZIP 18440 Property Distress & Foreclosure Data

In Lackawanna County, Pennsylvania, ZIP 18440 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (76/100). On the structural side it scores 50/100, with 2/100 of stress already active. Its standout signals are structural risk (50/100), construction/permit lag (33/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

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

About 37 people live here, median age 67. About 70% have a four-year degree. A median home runs $1,093,800 here. On demographic stress specifically, 18440 scores 5/100. The vacancy rate is 0.0%. The ZIP holds roughly 18 housing units. Households earn a median $250,001 — above the roughly $78,000 national figure. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 100% owner-occupied to 0% rented.

Overall 18440 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.