ZIP 18655 Property Distress & Foreclosure Data

Luzerne County, Pennsylvania's ZIP 18655 registers 25/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (84/100). The latent-versus-live split is 57/100 structural and 3/100 already moving. The most distinctive pressure shows up in construction/permit lag (58/100), structural risk (57/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (9/100) stay muted.

Prices here sit in a expansion phase: values rose 6.7% over the trailing year, and 20% higher over three years (phase confidence 45/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 17.2% — elevated. Educational attainment sits at 17% bachelor's-or-above. The ZIP holds roughly 2,976 housing units. Around 35% of renters are cost-burdened. 7.4% of residents fall below the poverty threshold. 5,789 residents call 18655 home, typically aged 48. Median household income is $68,362, below the U.S. median near $78,000. Owners hold 84% of homes, renters 16%. DLRadar's demographic-stress index for the area reads 26/100. Home values center near $190,700, an affordability ratio of 2.4× — accessible.

Taken together, 18655 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.