ZIP 18635 Property Distress & Foreclosure Data

DLRadar grades ZIP 18635 (Luzerne County, Pennsylvania) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (58/100), structural risk (54/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. On the structural side it scores 54/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100), climate & FEMA risk (80/100).

The market reads expansion — home values rose 6.3% year on year, and 20% higher over three years (phase confidence 41/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,787 housing units. Around 25% of renters are cost-burdened. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. About 21% have a four-year degree. Households earn a median $70,774 — near the roughly $78,000 national figure. About 3,640 people live here, median age 45. A median home runs $195,800 here, or 2.6 times local income. On demographic stress specifically, 18635 scores 24/100. The tenure split is 83% owner-occupied to 17% rented. The vacancy rate is 9.9%.

Net-net, 18635 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.