ZIP 18641 Property Distress & Foreclosure Data

Luzerne County, Pennsylvania's ZIP 18641 registers 25/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (83/100). The most distinctive pressure shows up in structural risk (57/100), construction/permit lag (55/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Structural exposure scores 57 and live distress 3 on the 0–100 scale.

The market reads expansion — home values rose 6.8% year on year, and 18% higher over three years, at 46/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 6,385 people live here, median age 47. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas. There are about 3,149 housing units across 18641. On demographic stress specifically, 18641 scores 22/100. A median home runs $151,700 here, or 1.9 times local income. About 17% have a four-year degree. The tenure split is 73% owner-occupied to 27% rented. Rent burden reaches 19% of tenant households. Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $74,469 — near the roughly $78,000 national figure.

Net-net, 18641 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.