ZIP 18631 Property Distress & Foreclosure Data

Composite property distress in 18631 (Columbia County, Pennsylvania) lands at 21/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (57/100), structural risk (48/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (74/100), climate & FEMA risk (64/100). On the structural side it scores 48/100, with 2/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 86% of homes, renters 14%. 1,109 residents call 18631 home, typically aged 48. The vacancy rate is 8.1%. Around 39% of renters are cost-burdened. Median household income is $49,643, below the U.S. median near $78,000. The ZIP holds roughly 533 housing units. 11.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 29% bachelor's-or-above. Home values center near $214,100, an affordability ratio of 4.3×.

Overall, 18631 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.