ZIP 18656 Property Distress & Foreclosure Data

ZIP code 18656 in Luzerne County, Pennsylvania carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 58 and live distress 3 on the 0–100 scale. What sets it apart are the readings on 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. 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 18% higher over three years, at 46/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,026 housing units across 18656. Vacancy runs 17.1%, above the national norm and a classic distress-and-opportunity signal. A median home runs $233,000 here, or 2.8 times local income. The tenure split is 93% owner-occupied to 7% rented. On demographic stress specifically, 18656 scores 23/100. Roughly 5.2% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 24% of tenant households. Households earn a median $74,764 — near the roughly $78,000 national figure. About 2,128 people live here, median age 48. About 25% have a four-year degree.

Net-net, 18656 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.