ZIP 18640 Foreclosure, Tax-Lien & Distress Report
Luzerne County, Pennsylvania · Affordable market
On DLRadar's 0-100 public-record scale, ZIP 18640 in Luzerne County, Pennsylvania comes in at 25, a low composite-distress reading. Its heaviest discrete signals: structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. The latent-versus-live split is 57/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).
The expansion-phase market in 18640 posted values that rose 7.4% over the year, and 25% higher over three years, at 41/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Households earn a median $57,358 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 28/100. Rent burden reaches 36% of tenant households. The tenure split is 58% owner-occupied to 42% rented. About 25% have a four-year degree. A median home runs $147,500 here, or 2.4 times local income. Roughly 14.7% live below the poverty line. About 16,418 people live here, median age 41. The ZIP holds roughly 8,125 housing units. The vacancy rate is 8.7%.
On balance 18640 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 18640 at the moment; the composite and its components are still built from verifiable public records.
Whether 18640 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18640 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. Where the public record is thin for 18640, the field stays empty rather than modeled, and fills in as new documents post.
18640's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 18640 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 18640’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
18640 at a glance
Current distress, phase, housing and lender-pressure figures for 18640, drawn from the same report attached to each property.
Nearby ZIPs in Luzerne County
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Further distress data across Luzerne County, Pennsylvania at ZIP, county and state level.
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Deterministic. Every signal traces to a public dataset · methodology