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 2026-06-20. See methodology.
- Max gross cap rate 14.0% at HUD Fair Market Rent — $18,348/year (2BR FMR × 12) on the $131,135 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
- 58.4% 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
At a glance
77 verified property-related court filings tracked across 3 months (Apr 2026 to Jun 2026).
32 typical monthly filing volume.
#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 77 filings).
$131,135 median estimated property value across the 46 filings with property-enrichment data (60% coverage).
3.7% Pennsylvania unemployment rate (BLS, as of 2026-04). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Other | 70 | 90.9% | |
| Pre-Probate | 5 | 6.5% | |
| Quiet Title | 1 | 1.3% | |
| Tax Sale | 1 | 1.3% |
Each row is a distinct case verified for current owner-of-record before inclusion.
Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Apr 2026 | 29 | ||
| May 2026 | 34 | +5 | |
| Jun 2026 | 14 | -20 |
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 29.9% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 18360 | Stroudsburg | 10 | 13.0% | |
| 18301 | East Stroudsburg | 3 | 3.9% | |
| 18058 | Polk Township | 2 | 2.6% | |
| 18466 | Tobyhanna | 2 | 2.6% | |
| 18346 | Pocono Summit | 1 | 1.3% | |
| 18434 | Jessup | 1 | 1.3% | |
| 18330 | Effort | 1 | 1.3% | |
| 18344 | Mount Pocono | 1 | 1.3% | |
| 18353 | Saylorsburg | 1 | 1.3% | |
| 18321 | Bartonsville | 1 | 1.3% |
Based on filings with a parseable property address (32% of Monroe County filings).
Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 3 | 6.5% | |
| $75k - $150k | 24 | 52.2% | |
| $150k - $250k | 15 | 32.6% | |
| $250k - $400k | 4 | 8.7% |
Source: third-party property enrichment (60% coverage on Monroe County filings). Median $131,135; mean $147,355.
Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 5 | 6.5% | |
| Mon | 17 | 22.1% | |
| Tue | 13 | 16.9% | |
| Wed | 15 | 19.5% | |
| Thu | 13 | 16.9% | |
| Fri | 12 | 15.6% | |
| Sat | 2 | 2.6% |
Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 77 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) | $72,826 |
| Median home value | $270,228 |
| Owner-occupancy rate | 73.7% |
| Renter share of households | 26.3% |
| Median gross rent | $1,290/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 3 top ZIPs.
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 | 45 | 58.4% | -- |
| Inherited Property | 11 | 14.3% | -- |
| Stalled Project | 9 | 11.7% | -- |
| Pre-Probate | 5 | 6.5% | -- |
Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.
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 | 10 | 13.0% | $126,270 |
| 18301 | East Stroudsburg | 3 | 3.9% | $87,600 |
| 18058 | Polk Township | 2 | 2.6% | $296,200 |
| 18466 | Tobyhanna | 2 | 2.6% | $114,920 |
| 18346 | Pocono Summit | 1 | 1.3% | -- |
| 18434 | Jessup | 1 | 1.3% | -- |
| 18330 | Effort | 1 | 1.3% | $42,090 |
| 18344 | Mount Pocono | 1 | 1.3% | $181,480 |
| 18353 | Saylorsburg | 1 | 1.3% | $258,730 |
| 18321 | Bartonsville | 1 | 1.3% | -- |
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 | 45 | 0.0% |
| Inherited Property | 11 | 0.0% |
| Stalled Project | 9 | 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 | 58.8% | 51.7% | +7.1pp (rising) |
| Stalled Project | 17.6% | 3.4% | +14.2pp (rising) |
| Inherited Property | 11.8% | 20.7% | -8.9pp (falling) |
| Forced Liquidation | 8.8% | 0.0% | +8.8pp (rising) |
| Pre-Probate | 2.9% | 10.3% | -7.4pp (falling) |
| Quiet Title | 0.0% | 3.4% | -3.4pp |
| Title Clearance Play | 0.0% | 3.4% | -3.4pp |
| Distressed Heir | 0.0% | 3.4% | -3.4pp |
| Tax Sale Rescue | 0.0% | 3.4% | -3.4pp |
Distress diversity score: 1.71 (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 $128,470. Inherited Property filings involve the highest-value properties (median $139,530), while Equity Division Sale filings trend lower (median $114,920). The largest segment (60.8%) falls in the $100K - $250K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 16 | 31.4% |
| $100K - $250K | 31 | 60.8% |
| $250K - $500K | 4 | 7.8% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Equity Division Sale | $114,920 | $114,855 | 33 |
| Inherited Property | $139,530 | $156,370 | 9 |
Based on county assessor records for 51 properties with court filings (66.2% of total filings). Values are tax-assessed amounts, not market listing prices.
Distress Capital Analysis
$6,859,908 in assessed property value is currently tied up in 51 court-filed properties. Equity Division Sale filings represent the largest capital pool ($3,790,200 across 33 properties).
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Equity Division Sale | $3,790,200 | 33 | $114,855 | -- |
| Inherited Property | $1,407,330 | 9 | $156,370 | -- |
| Stalled Project | $778,720 | 4 | $194,680 | -- |
Based on 51 properties with assessor valuations (66.2% of 77 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
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 (60% 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 2026-06-20 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 | 10 | 40.0% |
| East Stroudsburg | 3 | 12.0% |
| Tobyhanna | 2 | 8.0% |
| Pocono Summit | 1 | 4.0% |
| Jessup | 1 | 4.0% |
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.
Get the underlying Monroe County filings
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Cite: Keystone Court Data, "Monroe County Pennsylvania Court Filings Intelligence," 2026-06-20, https://keystonecourtdata.com/reports/monroe-pa-court-filings-intelligence · Download data (CSV)