ZIP 18660 Foreclosure, Tax-Lien & Distress Report

ZIP code 18660 in Luzerne County, Pennsylvania carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: structural risk (57/100), construction/permit lag (49/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (88/100). Structural risk reads 57/100 against active distress of 3/100.

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, and 12% higher over three years (phase confidence 41/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $85,372, median income runs near typical U.S. levels. Rent burden reaches 29% of tenant households. The poverty rate is 5.7% — low. Owners hold 92% of homes, renters 8%. Educational attainment sits at 23% bachelor's-or-above. About 3,278 people live here, median age 49. The typical home is worth about $206,800 (2.3× income, relatively affordable). On demographic stress specifically, 18660 scores 23/100. Vacancy runs 13.6%, above the national norm and a classic distress-and-opportunity signal. There are about 1,481 housing units across 18660.

On the whole, 18660 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.

The 18660 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 18660 stays directly comparable to neighboring ZIPs and the rest of Luzerne County, Pennsylvania. Where the record is thin for 18660, the field stays empty rather than modeled, and fills in as new documents post.

Behind 18660's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 18660 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.