ZIP 18656 Foreclosure, Tax-Lien & Distress Report

In Luzerne County, Pennsylvania, ZIP 18656 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 57/100, with 3/100 of stress already active. Property-level stress concentrates in structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

The expansion-phase market in 18656 posted values that rose 7.4% over the year, and 18% higher over three years (phase confidence 41/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,026 housing units across 18656. The vacancy rate is 17.1% — elevated. The typical home is worth about $233,000 (2.8× income, relatively affordable). 93% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 23/100. 5.2% of residents fall below the poverty threshold. Around 24% of renters are cost-burdened. At $74,764, median income runs near typical U.S. levels. 2,128 residents call 18656 home, typically aged 48. About 25% have a four-year degree.

On the whole, 18656 leans distressed, with opportunity clustered in specific stressed parcels. 18656 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 18656 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Luzerne County, Pennsylvania and the nation. Where the public record is thin for 18656, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 18656 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 18656 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.