ZIP 18643 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 18643 (Luzerne County, Pennsylvania) returns a low composite of 25/100. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). Leading the profile are structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. Structural exposure scores 57 and live distress 3 on the 0–100 scale.

The market reads expansion — home values rose 7.4% year on year, and 13% higher over three years, at 41/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

72% of housing is owner-occupied. On demographic stress specifically, 18643 scores 26/100. Population is roughly 12,683 with a median age of 45. 12.0% of residents fall below the poverty threshold. Vacancy runs 9.9%. Households earn a median $61,685 — below the roughly $78,000 national figure. There are about 6,401 housing units across 18643. Educational attainment sits at 26% bachelor's-or-above. A median home runs $174,500 here, or 2.5 times local income. Rent burden reaches 30% of tenant households.

Net-net, 18643 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.

Whether 18643 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 18643 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 18643 reflects the current record instead of a stale or modeled snapshot.

Behind 18643's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 18643 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.