Cumberland County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, New Jersey? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 08270 at 25/100.
- 22 ZIP codes tracked in Cumberland County, averaging 23/100 distress.
- Cumberland County reads expansion — home values up 7.8% year over year.
- Vacancy runs 12.2% across Cumberland County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Cumberland County home is worth about $227,700 against a ~$70,436 median income.
- Lending headwind in Cumberland County sits at 74/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 08270 | 25/100 |
| 2 | 08344 | 25/100 |
| 3 | 08340 | 24/100 |
| 4 | 08360 | 24/100 |
| 5 | 08302 | 23/100 |
| 6 | 08311 | 23/100 |
| 7 | 08314 | 23/100 |
| 8 | 08316 | 23/100 |
| 9 | 08318 | 23/100 |
| 10 | 08320 | 23/100 |
| 11 | 08321 | 23/100 |
| 12 | 08323 | 23/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
DLRadar builds Cumberland County's distress picture only from records anyone can pull; its ZIPs average 23/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Cumberland County market phase and pricing
Cumberland County currently sits in expansion after a 7.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Common questions
What is the most distressed ZIP code in Cumberland County, NJ?
ZIP 08270 leads Cumberland County at 25/100, recomputed monthly from public records.
What market phase is Cumberland County in?
Phase for Cumberland County: expansion, tracking a 7.8% gain year over year, read off the FHFA index.
Which datasets feed the Cumberland County scores?
Each Cumberland County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 22 local ZIPs and every other county in the country.
How much do distress scores vary between Cumberland County ZIP codes?
A county average hides the spread. Across the Cumberland County ZIPs DLRadar ranks, scores run from 25/100 in 08270 down to 23/100 in 08323, against a Cumberland County average of 23/100. That 2-point gap is why acquisition targeting in Cumberland County works at ZIP level rather than county level.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $227,700 of value against a median household income near $70,436. Vacancy across Cumberland County's tracked ZIPs runs 12.2% and the poverty rate is 9.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Cumberland County's foreclosure and tax-lien record and its 74/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.