ZIP 18642 Foreclosure, Tax-Lien & Distress Report

Luzerne County, Pennsylvania's ZIP 18642 registers 25/100 composite distress, which DLRadar reads as low. The pressure is most legible in structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100). Structural risk reads 57/100 against active distress of 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

The expansion-phase market in 18642 posted values that rose 7.4% over the year, and 22% higher over three years (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 9.8%. Roughly 24.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 45% of tenant households. Around 22% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 31/100. There are about 2,113 housing units across 18642. Median household income is $61,587, below the U.S. median near $78,000. Home values center near $158,700, an affordability ratio of 2.5× — accessible. The tenure split is 71% owner-occupied to 29% rented. 4,469 residents call 18642 home, typically aged 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.

Because one deterministic model scores every ZIP, 18642's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. Sparse data for 18642 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 for 18642 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 18642 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.