Cape May County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cape May County, NJ distress report, 2026: 16 ZIPs scored in Cape May, NJ, Cape May, NJ average 25/100; the top Cape May, NJ ZIP is 08202 at 25/100; Cape May, NJ market phase expansion, Cape May, NJ prices +5.9% year over year.
- Cape May, NJ ranks #754 nationally (opportunity index); Cape May, NJ #2 in New Jersey; Cape May, NJ index 32.2.
- Cape May, NJ ninety-day mortgage delinquency 0.5% in December 2025; Cape May, NJ twelve-month change +0.2%.
- Cape May, NJ ZIP phases: 16 expansion.
- Cape May, NJ residential listings tracked: 23 across 16 ZIPs; Cape May, NJ candidate listings 10.
- Cape May, NJ HUD assisted properties: 7 with 518 units.
- Cape May, NJ lenders on watch: 5; largest Cape May, NJ footprint Sturdy Savings Bank (12 branches).
- Cape May, NJ most distressed ZIP: 08202 at 25/100.
Cape May, NJ figures: DLRadar distress index; Cape May, NJ inputs: CFPB, FHFA, HUD, FDIC; Cape May, NJ rebuilt as sources refresh.
| Rank | Cape May, NJ ZIP | Score |
|---|---|---|
| 1 | 08202 | 25/100 |
| 2 | 08204 | 25/100 |
| 3 | 08210 | 25/100 |
| 4 | 08212 | 25/100 |
| 5 | 08223 | 25/100 |
| 6 | 08226 | 25/100 |
| 7 | 08230 | 25/100 |
| 8 | 08242 | 25/100 |
| 9 | 08243 | 25/100 |
| 10 | 08245 | 25/100 |
| 11 | 08246 | 25/100 |
| 12 | 08247 | 25/100 |
Most distressed Cape May, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Cape May, NJ
0.5% of Cape May, NJ mortgages were ninety-plus days late (Cape May, NJ, December 2025); Cape May, NJ thirty-to-eighty-nine days late: 0.8%; Cape May, NJ twelve-month change +0.2%; Cape May, NJ peak since 2008: 4.5% (July 2012); New Jersey overall 0.9%. Cape May, NJ ninety-day series: Dec 24 0.3, Jan 25 0.8, Feb 25 0.4 (Cape May, NJ), Mar 25 0.6, Apr 25 0.6, May 25 0.6 (Cape May, NJ), Jun 25 0.6, Jul 25 0.9, Aug 25 0.6 (Cape May, NJ), Sep 25 0.6, Oct 25 0.4, Nov 25 0.3 (Cape May, NJ), Dec 25 0.5.
Opportunity index: Cape May, NJ
Cape May, NJ index 32.2, Cape May, NJ phase early_signal; Cape May, NJ primary driver vacancy, Cape May, NJ second driver bank institutional. Cape May, NJ components: property stress 26.9, foreclosure pressure 27.8, listing discounts 17.9, bank stress 71.6, insurance 0.0; Cape May, NJ pulse 41.5; Cape May, NJ capital opportunity 18.2.
ZIP market phases inside Cape May, NJ
16 Cape May, NJ ZIPs carry a price-cycle phase; Cape May, NJ ZIPs by phase (Cape May, NJ), deepest drawdown first: expansion, +5.9% YoY (Cape May, NJ): 08202, 08204, 08210, 08212, Cape May, NJ 08223, 08226, 08230, 08242, Cape May, NJ 08243, 08245, 08246, 08247, Cape May, NJ 08248, 08251, 08260, 08270.
Residential listings by Cape May, NJ ZIP
Cape May, NJ ZIPs with the most tracked Cape May, NJ residential listings: 08270 7 listings, 4 candidates, bank pressure 68; 08242 4 listings, 0 candidates, bank pressure 73; 08204 3 listings, 2 candidates, bank pressure 73; 08210 3 listings, 1 candidates, bank pressure 73 (Cape May, NJ); 08202 2 listings, 1 candidates, bank pressure 73; 08251 2 listings, 0 candidates, bank pressure 73; 08260 2 listings, 2 candidates, bank pressure 73; 08212 0 listings, 0 candidates, bank pressure 73. Cape May, NJ totals: 23 listings; Cape May, NJ candidates 10; active ZIPs 2.
HUD assisted housing in Cape May, NJ
7 assisted properties with 518 units sit in Cape May, NJ; largest Cape May, NJ properties: Victorian Towers (Cape May) 204 units, 194 assisted; Lions Center (Wildwood) 112 units, 22 assisted; Haven House At St. John Of God Senior Housing (North Cape May) 76 units, 75 assisted in Cape May, NJ; Wesley By The Bay (Ocean City) 60 units, 60 assisted; Yorkshire Place (Cape May) 55 units, 54 assisted; Arc Cape May Housing (Woodbine) 8 units, 8 assisted.
Lenders with branches in Cape May, NJ
Cape May, NJ lenders by branch count: Sturdy Savings Bank (Cape May, NJ): stress 81, 12 branches low in Cape May, NJ; Crest Savings Bank (Cape May, NJ): stress 87, 8 branches low in Cape May, NJ; 1st Bank Of Sea Isle City (Cape May, NJ): stress 89, 3 branches low in Cape May, NJ; Oceanfirst Bank Na (Cape May, NJ): stress 78, 3 branches low in Cape May, NJ; Franklin Bank (Cape May, NJ): stress 80, 1 branch low in Cape May, NJ.
Vacancy and permits, Cape May, NJ
54,715 of 99,599 Cape May, NJ housing units are vacant; Cape May, NJ permits, twelve months: 55 multifamily units in Cape May, NJ, 754 one-to-four unit units.
Work Cape May, NJ at the parcel level
Every Cape May, NJ parcel carries owner and address; every Cape May, NJ parcel carries APN; Cape May, NJ distress scores sit on the Cape May, NJ live board.
Cape May, NJ figures refresh with each source.
Cape May, NJ questions
Most distressed ZIP code in Cape May County, NJ?
ZIP 08202 leads Cape May, NJ at 25/100; next in Cape May, NJ: 08204 at 25/100; the Cape May, NJ average is 25/100.
Where does Cape May County, NJ rank for investment opportunity?
Cape May, NJ is #754 among all ranked counties, #2 in New Jersey; the Cape May, NJ driver is vacancy; Cape May, NJ moved down 590 places.
How many mortgages are delinquent in Cape May County, NJ?
0.5% of Cape May, NJ mortgages were ninety-plus days late in December 2025; the Cape May, NJ peak since 2008 was 4.5%.
Which banks lend in Cape May County, NJ?
5 watched lenders hold Cape May, NJ branches; the largest Cape May, NJ footprints are Sturdy Savings Bank (12), Crest Savings Bank (8), 1st Bank Of Sea Isle City (3).
More on Cape May, NJ
Cape May County, NJ distress report: public-record figures for Cape May, NJ; not legal advice for Cape May, NJ; not tax or investment advice; verify every Cape May, NJ record before acting.