ZIP 18640 Property Distress & Foreclosure Data

Composite property distress in 18640 (Luzerne County, Pennsylvania) lands at 26/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. The latent-versus-live split is 58/100 structural and 3/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

Prices here sit in a expansion phase: values rose 6.8% over the trailing year, and 25% higher over three years (phase confidence 46/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $57,358, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 28/100. Around 36% of renters are cost-burdened. Owners hold 58% of homes, renters 42%. Educational attainment sits at 25% bachelor's-or-above. Home values center near $147,500, an affordability ratio of 2.4× — accessible. 14.7% of residents fall below the poverty threshold. 16,418 residents call 18640 home, typically aged 41. The ZIP holds roughly 8,125 housing units. The vacancy rate is 8.7%.

Overall, 18640 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.