ZIP 18822 Foreclosure, Tax-Lien & Distress Report

ZIP code 18822 in Susquehanna County, Pennsylvania carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (72/100), structural risk (63/100), institutional ownership (53/100). By contrast, mortgage stress (25/100) register low. Structural exposure scores 63 and live distress 8 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (74/100), FEMA disaster exposure (65/100)).

Prices here sit in a expansion phase: values rose 5.1% over the trailing year, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 77% of homes, renters 23%. Population is roughly 3,079 with a median age of 48. The ZIP holds roughly 1,563 housing units. Rent burden reaches 45% of tenant households. At $58,200, median income runs below typical U.S. levels. About 17% have a four-year degree. The demographic-stress sub-score lands at 31/100. The vacancy rate is 17.8% — elevated. 12.8% of residents fall below the poverty threshold. The typical home is worth about $204,100 (2.9× income, relatively affordable).

On the whole, 18822 leans distressed, with opportunity clustered in specific stressed parcels. 18822 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 18822 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18822 can be compared directly against any other ZIP in Susquehanna County, Pennsylvania or nationwide. Sparse data for 18822 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 18822'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. For an operator, 18822 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.