ZIP 18851 Property Distress & Foreclosure Data

DLRadar grades ZIP 18851 (Bradford County, Pennsylvania) at a low 16/100 for overall property distress. Property-level stress concentrates in construction/permit lag (44/100), structural risk (34/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. On the structural side it scores 34/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (74/100).

The market reads expansion — home values rose 5.5% year on year (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 9.5% live below the poverty line. Around 32% of renters are cost-burdened. The vacancy rate is 46.4% — elevated. The tenure split is 89% owner-occupied to 11% rented. About 16% have a four-year degree. About 580 people live here, median age 53. Households earn a median $74,167 — near the roughly $78,000 national figure. On demographic stress specifically, 18851 scores 30/100. A median home runs $233,700 here, or 2.9 times local income. The ZIP holds roughly 501 housing units.

Net-net, 18851 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.