ZIP 18641 Foreclosure, Tax-Lien & Distress Report

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). What sets it apart are the readings on structural risk (57/100), construction/permit lag (54/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. The split runs 57/100 structural to 3/100 active on the ground.

The expansion-phase market in 18641 posted values that rose 7.4% over the year, and 18% higher over three years, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 6,385 with a median age of 47. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 3,149 housing units. On demographic stress specifically, 18641 scores 22/100. The typical home is worth about $151,700 (1.9× income, relatively affordable). Around 17% of adults hold a bachelor's degree or higher. The tenure split is 73% owner-occupied to 27% rented. Rent burden reaches 19% of tenant households. The vacancy rate is 11.3% — elevated. Median household income is $74,469, near the U.S. median near $78,000.

On balance 18641 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 18641 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 18641 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 18641 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. Where the public record is thin for 18641, the field stays empty rather than modeled, and fills in as new documents post.

18641'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. In workflow terms, 18641 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.