ZIP 18837 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 18837 (Bradford County, Pennsylvania) returns a low composite of 16/100. What sets it apart are the readings on construction/permit lag (44/100), structural risk (34/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). The split runs 34/100 structural to 1/100 active on the ground.

Prices here sit in a peak phase: values rose 4.2% over the trailing year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

Median household income is $67,500, below the U.S. median near $78,000. On demographic stress specifically, 18837 scores 26/100. There are about 1,267 housing units across 18837. About 18% have a four-year degree. Rent burden reaches 15% of tenant households. About 2,710 people live here, median age 39. 12.3% of residents fall below the poverty threshold. A median home runs $188,100 here, or 2.6 times local income. The vacancy rate is 18.9% — elevated. The tenure split is 76% owner-occupied to 24% rented.

Taken together, 18837 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 18837 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 18837 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18837 can be compared directly against any other ZIP in Bradford County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 18837 reflects the current record instead of a stale or modeled snapshot.

The 16/100 for 18837 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 18837 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.