ZIP 18840 Property Distress & Foreclosure Data

ZIP code 18840 in Bradford County, Pennsylvania carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (44/100), structural risk (34/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (74/100)). On the structural side it scores 34/100, with 1/100 of stress already active.

The expansion-phase market in 18840 posted values that rose 5.5% over the year, and 28% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

68% of housing is owner-occupied. The ZIP holds roughly 5,267 housing units. At $59,836, median income runs below typical U.S. levels. Around 36% of adults hold a bachelor's degree or higher. The vacancy rate is 9.1%. The demographic-stress sub-score lands at 27/100. The poverty rate is 14.3%. The typical home is worth about $171,300 (2.9× income, relatively affordable). Around 28% of renters are cost-burdened. Population is roughly 11,249 with a median age of 38.

On balance 18840 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.