ZIP 18707 Property Distress & Foreclosure Data

DLRadar grades ZIP 18707 (Luzerne County, Pennsylvania) at a low 26/100 for overall property distress. Property-level stress concentrates 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 latent-versus-live split is 58/100 structural and 3/100 already moving. 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 19% higher over three years (phase confidence 46/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 6,804 housing units. On demographic stress specifically, 18707 scores 19/100. Around 10% of renters are cost-burdened. The vacancy rate is 5.2%. Roughly 6.7% live below the poverty line, a low share typical of higher-equity areas. About 44% have a four-year degree. About 16,418 people live here, median age 45. The tenure split is 90% owner-occupied to 10% rented. Households earn a median $105,281 — above the roughly $78,000 national figure. A median home runs $301,200 here, or 2.6 times local income.

Net-net, 18707 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.