ZIP 18644 Property Distress & Foreclosure Data

DLRadar grades ZIP 18644 (Luzerne County, Pennsylvania) at a low 26/100 for overall property distress. Property-level stress concentrates in construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. The latent-versus-live split is 58/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

The market reads expansion — home values rose 6.8% year on year, and 24% higher over three years (phase confidence 46/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $179,200 here, or 2.3 times local income. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $72,803 — near the roughly $78,000 national figure. The ZIP holds roughly 3,836 housing units. About 7,318 people live here, median age 48. About 33% have a four-year degree. The vacancy rate is 5.5%. On demographic stress specifically, 18644 scores 23/100. Around 32% of renters are cost-burdened. The tenure split is 75% owner-occupied to 25% rented.

Net-net, 18644 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.