Monroe County, Pennsylvania Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Monroe County court dockets. Updated 2026-07-12. See methodology.
- Max gross cap rate 14.1% at HUD Fair Market Rent — $18,348/year (2BR FMR × 12) on the $129,800 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
- 61.4% of filings are Equity Division Sale — the dominant lead category in Monroe County during the observed window.
About Monroe County
Monroe County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 168,327. Its county seat is Stroudsburg. The county is part of the Northeast Pennsylvania region of the state. The county was formed from sections of Northampton and Pike counties on April 1, 1836. It was named in honor of James Monroe, the fifth president of the United States.
Source: Wikipedia
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88 verified property-related court filings tracked across 4 months (Apr 2026 to Jul 2026).
#16 of 18 Pennsylvania counties Keystone covers, ranked by total filing volume.
6% of filings involve owners whose mailing address differs from the property address (5 of 88 filings).
$129,800 median estimated property value across the 61 filings with property-enrichment data (69% coverage).
3.9% Pennsylvania unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Partition | 54 | 61.4% | |
| Inherited Property | 12 | 13.6% | |
| Stalled Project | 11 | 12.5% | |
| Pre-Probate | 5 | 5.7% | |
| Forced Liquidation | 3 | 3.4% | |
| Quiet Title | 2 | 2.3% | |
| Tax Sale | 1 | 1.1% |
Each row is a distinct case verified for current owner-of-record before inclusion.
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Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Apr 2026 | 29 | ||
| May 2026 | 34 | +5 | |
| Jun 2026 | 22 | -12 | |
| Jul 2026 | 3 | -19 |
Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.
Geographic concentration by ZIP
Top 10 ZIPs in Monroe County account for 29.5% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 18360 | Stroudsburg | 13 | 14.8% | |
| 18301 | East Stroudsburg | 3 | 3.4% | |
| 18058 | Polk Township | 2 | 2.3% | |
| 18466 | Tobyhanna | 2 | 2.3% | |
| 18346 | Pocono Summit | 1 | 1.1% | |
| 18434 | Jessup | 1 | 1.1% | |
| 18330 | Effort | 1 | 1.1% | |
| 18344 | Mount Pocono | 1 | 1.1% | |
| 18353 | Saylorsburg | 1 | 1.1% | |
| 18321 | Bartonsville | 1 | 1.1% |
Based on filings with a parseable property address (32% of Monroe County filings).
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Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 5 | 8.2% | |
| $75k - $150k | 33 | 54.1% | |
| $150k - $250k | 17 | 27.9% | |
| $250k - $400k | 5 | 8.2% | |
| $400k+ | 1 | 1.6% |
Source: third-party property enrichment (69% coverage on Monroe County filings). Median $129,800; mean $153,866.
Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 5 | 5.7% | |
| Mon | 21 | 23.9% | |
| Tue | 16 | 18.2% | |
| Wed | 15 | 17.0% | |
| Thu | 14 | 15.9% | |
| Fri | 15 | 17.0% | |
| Sat | 2 | 2.3% |
Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 88 filings with a parseable date.
Housing stock + distress signals
Underlying housing stock and distress indicators across all 79458 Monroe County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Monroe County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 23.8% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 62.6% | 60.8% |
| Pre-1940 housing stock | 9.1% | 12.3% |
| Single-family detached share of housing stock | 82.4% | 61.2% |
| Residents age 65 or older | 18.9% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Monroe County sits within the Monroe County, PA. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $1,085 |
| 1-bedroom | $1,165 |
| 2-bedroom | $1,529 |
| 3-bedroom | $1,974 |
| 4-bedroom | $2,203 |
Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Monroe County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 257 |
| Year-over-year change (2024 → 2025) | -7.6% |
| Single-family share of permits (2025) | 91.8% |
| Single-family units permitted | 236 |
| Multifamily units permitted (2+ units per building) | 21 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Monroe County filings should be read against the broader housing-market backdrop. Pennsylvania state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| Pennsylvania home price index (year-over-year) | +5.3% | 2026-01-01 |
| Pennsylvania home price index (cumulative since 2020) | +59.3% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series PASTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
Local-market benchmark
Demographics of the ZIPs where filings cluster, weighted by filing count and benchmarked against Census ACS 2023 5-year:
| Indicator | Filing-weighted average |
|---|---|
| Median household income (where filings cluster) | $72,224 |
| Median home value | $273,047 |
| Owner-occupancy rate | 73.3% |
| Renter share of households | 26.7% |
| Median gross rent | $1,294/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 3 top ZIPs.
FEMA flood zone exposure
Are distressed properties concentrated in flood-prone areas? By checking each property's coordinates against FEMA's National Flood Hazard Layer, we identify which filings fall in Special Flood Hazard Areas (mandatory flood insurance zones). This analysis covers 56 properties with geocoded locations.
| Zone | Properties | Share |
|---|---|---|
| X | 53 | 94.6% |
| AE | 3 | 5.4% |
Source: FEMA National Flood Hazard Layer (NFHL), queried by property coordinates. Zones A/AE/AH/AO/V/VE are Special Flood Hazard Areas (1% annual flood chance, mandatory flood insurance). Zone X is minimal risk. 56 properties checked.
Filing velocity by case type
How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.
| Case type | Total | Share | Trend |
|---|---|---|---|
| Equity Division Sale | 54 | 61.4% | -- |
| Inherited Property | 11 | 12.5% | -- |
| Stalled Project | 11 | 12.5% | -- |
| Pre-Probate | 5 | 5.7% | -- |
Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.
Seasonal filing patterns
Court filings peak in May and are lowest in Jun. Filing volume is relatively steady year-round.
| Month | Avg filings | Relative |
|---|---|---|
| Apr | 29 | 85% |
| May | 34 | 100% |
| Jun | 22 | 65% |
Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (May), with a 1.5x peak-to-trough ratio.
ZIP code distress hotspots
Distress is geographically dispersed across 12 ZIP codes, with no single area dominating.
| ZIP | Area | Filings | Share | Median value |
|---|---|---|---|---|
| 18360 | Stroudsburg | 13 | 14.8% | $112,445 |
| 18301 | East Stroudsburg | 3 | 3.4% | $87,600 |
| 18058 | Polk Township | 2 | 2.3% | $296,200 |
| 18466 | Tobyhanna | 2 | 2.3% | $75,840 |
| 18346 | Pocono Summit | 1 | 1.1% | -- |
| 18434 | Jessup | 1 | 1.1% | -- |
| 18330 | Effort | 1 | 1.1% | $42,090 |
| 18344 | Mount Pocono | 1 | 1.1% | $181,480 |
| 18353 | Saylorsburg | 1 | 1.1% | $258,730 |
| 18321 | Bartonsville | 1 | 1.1% | $92,010 |
Top 10 of 12 ZIP codes with filings.
Non-resident owner analysis
Most filings (94%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.
| Case type | Total filings | Non-resident % |
|---|---|---|
| Equity Division Sale | 54 | 0.0% |
| Inherited Property | 11 | 0.0% |
| Stalled Project | 11 | 0.0% |
| Pre-Probate | 5 | 80.0% |
Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.
Distress composition and shifts
Equity Division Sale, Stalled Project share is rising. Inherited Property, Pre-Probate share is declining.
| Case type | Recent share | Earlier share | Shift |
|---|---|---|---|
| Equity Division Sale | 64.3% | 51.7% | +12.6pp (rising) |
| Stalled Project | 17.9% | 3.4% | +14.5pp (rising) |
| Inherited Property | 8.9% | 20.7% | -11.8pp (falling) |
| Forced Liquidation | 5.4% | 0.0% | +5.4pp (rising) |
| Pre-Probate | 3.6% | 10.3% | -6.7pp (falling) |
| Distressed Heir | 0.0% | 3.4% | -3.4pp |
| Quiet Title | 0.0% | 3.4% | -3.4pp |
| Title Clearance Play | 0.0% | 3.4% | -3.4pp |
| Tax Sale Rescue | 0.0% | 3.4% | -3.4pp |
Distress diversity score: 1.56 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.
Property Value Profile
The median assessed value of properties in court filings is $127,080. Inherited Property filings involve the highest-value properties (median $139,530), while Equity Division Sale filings trend lower (median $114,780). The largest segment (57.4%) falls in the $100K - $250K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 23 | 33.8% |
| $100K - $250K | 39 | 57.4% |
| $250K - $500K | 5 | 7.4% |
| $500K - $1M | 1 | 1.5% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Equity Division Sale | $114,780 | $116,412 | 43 |
| Inherited Property | $139,530 | $149,934 | 10 |
| Stalled Project | $125,920 | $221,773 | 9 |
Based on county assessor records for 68 properties with court filings (77.3% of total filings). Values are tax-assessed amounts, not market listing prices.
Distress Capital Analysis
$9,511,768 in assessed property value is currently tied up in 68 court-filed properties. Equity Division Sale filings represent the largest capital pool ($5,005,730 across 43 properties).
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Equity Division Sale | $5,005,730 | 43 | $116,412 | -- |
| Stalled Project | $1,995,960 | 9 | $221,773 | -- |
| Inherited Property | $1,499,340 | 10 | $149,934 | -- |
Based on 68 properties with assessor valuations (77.3% of 88 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
Case Aging & Stall Analysis
0 cases (0.0%) have been active for over a year without resolution. 16 filings in the last <30 days represent fresh opportunities.
| Age | Total | Resolved | Still active | Resolution rate |
|---|---|---|---|---|
| <30 days | 16 | 0 | 16 | 0.0% |
| 30-90 days | 61 | 0 | 61 | 0.0% |
| 3-6 months | 11 | 0 | 11 | 0.0% |
Resolution speed by case type
| Case type | Total | Resolved | Rate | Median days |
|---|---|---|---|---|
| Equity Division Sale | 54 | 0 | 0.0% | — |
| Inherited Property | 16 | 0 | 0.0% | — |
| Stalled Project | 11 | 0 | 0.0% | — |
Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.
Municipality filing concentration in Monroe County
Court filings in Monroe County span 10 municipalities. 02 leads with 9 filings (32.1% of total), predominantly Inherited Property (66.7%). Filing activity is geographically concentrated — the top 3 municipalities account for 68% of all filings.
| Municipality | Filings | Share | Top case type |
|---|---|---|---|
| 02 | 9 | 32.1% | Inherited Property (66.7%) |
| 03 | 8 | 28.6% | Equity Division Sale (62.5%) |
| 18 | 2 | 7.1% | Title Clearance Play (50.0%) |
| 08 | 2 | 7.1% | Inherited Property (100.0%) |
| 17 | 2 | 7.1% | Equity Division Sale (100.0%) |
| 19 | 1 | 3.6% | Inherited Property (100.0%) |
| 10 | 1 | 3.6% | Tax Sale Rescue (100.0%) |
| 14 | 1 | 3.6% | Inherited Property (100.0%) |
| 15 | 1 | 3.6% | Equity Division Sale (100.0%) |
| 13 | 1 | 3.6% | Inherited Property (100.0%) |
Top 10 of 10 municipalities with court filings. Data from 28 filings (32% of total). Municipality names from county assessor records.
Property Value Distribution
The median property value in distressed filings is $125,920, with the largest concentration (34.2%) in the $100K–$150K range. Inherited Property filings have the highest median value ($130,800) while Equity Division Sale filings are lowest ($114,780).
| Price range | Count | Share | Distribution |
|---|---|---|---|
| Under $50K | 12 | 16.4% | |
| $50K–$100K | 13 | 17.8% | |
| $100K–$150K | 25 | 34.2% | |
| $150K–$200K | 12 | 16.4% | |
| $200K–$300K | 7 | 9.6% | |
| $300K–$500K | 2 | 2.7% | |
| $500K+ | 2 | 2.7% |
Value by case type
| Case type | Median value | Average value | Properties |
|---|---|---|---|
| Equity Division Sale | $114,780 | $116,412 | 43 |
| Inherited Property | $130,800 | $165,340 | 15 |
Assessed property values from county assessor records for 73 properties (83.0% of total filings). Values reflect tax-assessed amounts, not market price.
Ownership Duration Before Filing
The median ownership duration before a court filing is 7.0 years, with 37.5% of owners holding the property 10+ years (a strong equity signal for investors). Inherited Property cases show the longest tenure (11.0 yr median) vs. Equity Division Sale (6.6 yr).
| Ownership period | Count | Share | Distribution |
|---|---|---|---|
| Under 2 years | 7 | 12.5% | |
| 2–5 years | 15 | 26.8% | |
| 5–10 years | 13 | 23.2% | |
| 10–20 years | 6 | 10.7% | |
| 20+ years | 15 | 26.8% |
Tenure by case type
| Case type | Median tenure | Average tenure | Properties |
|---|---|---|---|
| Equity Division Sale | 6.6 yr | 10.6 yr | 32 |
| Inherited Property | 11.0 yr | 16.6 yr | 13 |
Duration calculated from last recorded property sale to court filing date for 56 properties (63.6% of total filings). Longer ownership often correlates with higher equity.
Land vs improvement value composition
Across 66 properties with assessed value breakdowns, the median land share is 18.3% (median land value $24,485, median improvement value $112,650). Equity Division Sale cases skew most land-heavy (median 20.3%) while Inherited Property skews most improvement-heavy (19.4%).
Land share distribution
| Land share bracket | Properties | % of total |
|---|---|---|
| Under 10% | 2 | 3.0% |
| 10–20% | 36 | 54.5% |
| 20–30% | 21 | 31.8% |
| 30–50% | 7 | 10.6% |
Land share by case type
| Case type | Filings | Median land % |
|---|---|---|
| Equity Division Sale | 38 | 20.3% |
| Inherited Property | 15 | 19.4% |
Analysis of 66 properties (75.0% of filings) with assessed land and improvement value breakdowns.
Prior sale value trajectory
Across 38 properties with purchase and assessed value data, the median value change since purchase is -2.0%. 19 properties (50.0%) are underwater (current assessed value below purchase price). Short-hold owners (<5 yr) show a median -22.0% value change vs +39.9% for long-hold (10+ yr).
Value change distribution
| Value change bracket | Properties | % of total |
|---|---|---|
| 50%+ loss | 5 | 13.2% |
| 20–50% loss | 9 | 23.7% |
| 0–20% loss | 5 | 13.2% |
| 0–20% gain | 6 | 15.8% |
| 20–50% gain | 3 | 7.9% |
| 50–100% gain | 1 | 2.6% |
| 100%+ gain | 9 | 23.7% |
Holding period vs value change
(13 properties)
(15 properties)
Value trajectory by case type
| Case type | Filings | Median change | Underwater |
|---|---|---|---|
| Equity Division Sale | 22 | -5.1% | 54.5% |
Analysis of 38 properties (43.2% of filings) with both prior sale price and current assessed value data.
Why these filings are invisible on most public foreclosure sites
The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Pennsylvania. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.
Methodology and full audit: Court-vs-aggregator coverage gap report.
Methodology and data sources
- Court filings are collected directly from Monroe County court records, which are public information.
- Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
- Property value figures come from third-party enrichment (69% coverage on this dataset).
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report was generated 2026-07-12 from the live database. Numbers reflect the dataset at that moment.
Top cities for filings within Monroe County
Where filings concentrate inside Monroe County, by parsed property city or township.
| City / Township | Filings | Share (of city-parsed filings) |
|---|---|---|
| Stroudsburg | 13 | 46.4% |
| East Stroudsburg | 3 | 10.7% |
| Tobyhanna | 2 | 7.1% |
| Pocono Summit | 1 | 3.6% |
| Jessup | 1 | 3.6% |
Share is computed against filings with a parsed property city (not against total Monroe County filings — addresses missing the city portion are excluded from the denominator). Top 5 shown; smaller cities aggregate into the long tail.
Related Pennsylvania guides
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Cite: Keystone Court Data, "Monroe County Pennsylvania Court Filings Intelligence," 2026-07-12, https://keystonecourtdata.com/reports/monroe-pa-court-filings-intelligence · Download data (CSV)