ZIP 18854 Property Distress & Foreclosure Data

ZIP code 18854 in Bradford County, Pennsylvania carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). What sets it apart are the readings on 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. Structural exposure scores 34 and live distress 1 on the 0–100 scale.

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

A median home runs $207,300 here, or 2.3 times local income. Roughly 16.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 5.4%. On demographic stress specifically, 18854 scores 30/100. The tenure split is 82% owner-occupied to 18% rented. There are about 679 housing units across 18854. About 1,595 people live here, median age 49. Households earn a median $81,827 — near the roughly $78,000 national figure. Rent burden reaches 57% of tenant households. About 17% have a four-year degree.

Overall 18854 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.