ZIP 18704 Property Distress & Foreclosure Data

Luzerne County, Pennsylvania's ZIP 18704 registers 26/100 composite distress, which DLRadar reads as low. Structural exposure scores 58 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). The most distinctive pressure shows up in 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.

The market reads expansion — home values rose 6.8% year on year, and 24% higher over three years, at 46/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 61% owner-occupied to 39% rented. A median home runs $162,000 here, or 2.5 times local income. Vacancy runs 8.6%. Households earn a median $62,907 — below the roughly $78,000 national figure. About 30,997 people live here, median age 41. On demographic stress specifically, 18704 scores 28/100. There are about 14,739 housing units across 18704. Rent burden reaches 34% of tenant households. About 29% have a four-year degree. Roughly 15.8% live below the poverty line.

Net-net, 18704 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.