ZIP 18642 Property Distress & Foreclosure Data

ZIP code 18642 in Luzerne County, Pennsylvania carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100). On the structural side it scores 58/100, with 3/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)).

The expansion-phase market in 18642 posted values that rose 6.8% over the year, and 22% higher over three years (phase confidence 46/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 9.8%. The poverty rate is 24.3% — high, a tax-stress and distress correlate. Around 45% of renters are cost-burdened. Around 22% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 31/100. The ZIP holds roughly 2,113 housing units. At $61,587, median income runs below typical U.S. levels. The typical home is worth about $158,700 (2.5× income, relatively affordable). 71% of housing is owner-occupied. Population is roughly 4,469 with a median age of 40.

On the whole, 18642 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.