ZIP 18643 Property Distress & Foreclosure Data

In Luzerne County, Pennsylvania, ZIP 18643 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). Its standout signals are construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted. Structural risk reads 58/100 against active distress of 3/100.

Prices here sit in a expansion phase: values rose 6.8% over the trailing year, and 13% higher over three years, at 46/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 72% of homes, renters 28%. DLRadar's demographic-stress index for the area reads 26/100. 12,683 residents call 18643 home, typically aged 45. 12.0% of residents fall below the poverty threshold. Vacancy runs 9.9%. Median household income is $61,685, below the U.S. median near $78,000. There are about 6,401 housing units across 18643. Educational attainment sits at 26% bachelor's-or-above. Home values center near $174,500, an affordability ratio of 2.5× — accessible. Rent burden reaches 30% of tenant households.

Overall, 18643 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.