ZIP 18628 Foreclosure, Tax-Lien & Distress Report

In Sullivan County, Pennsylvania, ZIP 18628 scores 16 of 100 for composite distress, a low level on DLRadar's distress index. What sets it apart are the readings on institutional ownership (56/100), structural risk (38/100), mortgage stress (31/100). On the quiet end sit mortgage stress (31/100) and construction/permit lag (19/100). Environmental exposure also runs high (flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100)). Latent structural risk is 38/100 while live distress already moving reads 9/100.

The expansion-phase market in 18628 posted values that rose 5.1% over the year, at 42/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 96% of homes, renters 4%. Educational attainment sits at 27% bachelor's-or-above. Vacancy runs 66.0%, above the national norm and a classic distress-and-opportunity signal. Roughly 3.9% live below the poverty line, a low share typical of higher-equity areas. 152 residents call 18628 home, typically aged 57. At $65,313, median income runs below typical U.S. levels. A median home runs $118,000 here, or 1.8 times local income. The ZIP holds roughly 251 housing units. On demographic stress specifically, 18628 scores 36/100.

On the whole, 18628 leans distressed, with opportunity clustered in specific stressed parcels. 18628 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 18628's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 18628, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 18628 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 18628 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.