ZIP 18651 Property Distress & Foreclosure Data

ZIP code 18651 in Luzerne County, Pennsylvania carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)). The latent-versus-live split is 58/100 structural and 3/100 already moving. 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).

The expansion-phase market in 18651 posted values that rose 6.8% over the year, and 48% higher over three years (phase confidence 46/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $43,639, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. The vacancy rate is 19.2% — elevated. Around 11% of adults hold a bachelor's degree or higher. The poverty rate is 18.9% — high, a tax-stress and distress correlate. The typical home is worth about $97,600 (2.1× income, relatively affordable). The ZIP holds roughly 4,286 housing units. Population is roughly 8,672 with a median age of 44. Around 37% of renters are cost-burdened. 55% of housing is owner-occupied.

On the whole, 18651 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.