ZIP 18705 Property Distress & Foreclosure Data

ZIP code 18705 in Luzerne County, Pennsylvania carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (58/100), structural risk (58/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100). Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)). On the structural side it scores 58/100, with 3/100 of stress already active.

The expansion-phase market in 18705 posted values that rose 6.8% over the year, and 23% higher over three years (phase confidence 46/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $61,293, median income runs below typical U.S. levels. Population is roughly 15,595 with a median age of 39. 64% of housing is owner-occupied. The ZIP holds roughly 7,096 housing units. The poverty rate is 18.8% — high, a tax-stress and distress correlate. The vacancy rate is 14.2% — elevated. Around 23% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. Around 34% of renters are cost-burdened. The typical home is worth about $140,700 (2.0× income, relatively affordable).

On the whole, 18705 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.