Mercer County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mercer County, NJ distress report, 2026: 26 ZIPs scored in Mercer, NJ, Mercer, NJ average 28/100; the top Mercer, NJ ZIP is 08512 at 29/100; Mercer, NJ market phase peak, Mercer, NJ prices +4.5% year over year.
- Mercer, NJ ranks #2,204 nationally (opportunity index); Mercer, NJ #8 in New Jersey; Mercer, NJ index 27.0.
- Mercer, NJ ninety-day mortgage delinquency 0.9% in December 2025; Mercer, NJ twelve-month change +0.1%.
- Mercer, NJ ZIP phases: 22 peak, 4 expansion.
- Mercer, NJ residential listings tracked: 165 across 22 ZIPs; Mercer, NJ candidate listings 43.
- Mercer, NJ HUD assisted properties: 29 with 2,397 units.
- Mercer, NJ lenders on watch: 7; largest Mercer, NJ footprint Bank Of Princeton (7 branches).
- Mercer, NJ most distressed ZIP: 08512 at 29/100.
Mercer, NJ figures: DLRadar distress index; Mercer, NJ inputs: CFPB, FHFA, HUD, FDIC; Mercer, NJ rebuilt as sources refresh.
| Rank | Mercer, NJ ZIP | Score |
|---|---|---|
| 1 | 08512 | 29/100 |
| 2 | 08540 | 29/100 |
| 3 | 08501 | 28/100 |
| 4 | 08520 | 28/100 |
| 5 | 08525 | 28/100 |
| 6 | 08534 | 28/100 |
| 7 | 08542 | 28/100 |
| 8 | 08544 | 28/100 |
| 9 | 08550 | 28/100 |
| 10 | 08558 | 28/100 |
| 11 | 08560 | 28/100 |
| 12 | 08561 | 28/100 |
Most distressed Mercer, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Mercer, NJ
0.9% of Mercer, NJ mortgages were ninety-plus days late (Mercer, NJ, December 2025); Mercer, NJ thirty-to-eighty-nine days late: 1.8%; Mercer, NJ twelve-month change +0.1%; Mercer, NJ peak since 2008: 6.3% (June 2012); New Jersey overall 0.9%. Mercer, NJ ninety-day series: Dec 24 0.8, Jan 25 0.6, Feb 25 0.6 (Mercer, NJ), Mar 25 0.7, Apr 25 0.7, May 25 0.7 (Mercer, NJ), Jun 25 0.5, Jul 25 0.6, Aug 25 0.7 (Mercer, NJ), Sep 25 0.8, Oct 25 0.8, Nov 25 0.8 (Mercer, NJ), Dec 25 0.9.
Opportunity index: Mercer, NJ
Mercer, NJ index 27.0, Mercer, NJ phase weak; Mercer, NJ primary driver construction, Mercer, NJ second driver bank institutional. Mercer, NJ components: property stress 9.0, foreclosure pressure 5.6, listing discounts 31.2, bank stress 58.7, insurance 0.0; Mercer, NJ pulse 30.0; Mercer, NJ capital opportunity 22.6.
ZIP market phases inside Mercer, NJ
26 Mercer, NJ ZIPs carry a price-cycle phase; Mercer, NJ ZIPs by phase (Mercer, NJ), deepest drawdown first: expansion, +5.2% YoY (Mercer, NJ): 08501, 08558; expansion, +5.1% YoY (Mercer, NJ): 08512, 08530; peak, +4.5% YoY (Mercer, NJ): 08520, 08534, 08542, 08544, Mercer, NJ 08550, 08561, 08608, 08609; peak, +4.7% YoY (Mercer, NJ): 08525; peak, +4.8% YoY (Mercer, NJ): 08540; peak, +4.6% YoY (Mercer, NJ): 08560, 08610.
Residential listings by Mercer, NJ ZIP
Mercer, NJ ZIPs with the most tracked Mercer, NJ residential listings: 08540 68 listings, 17 candidates, bank pressure 62; 08618 18 listings, 3 candidates, bank pressure 63; 08638 12 listings, 2 candidates, bank pressure 63; 08648 9 listings, 7 candidates, bank pressure 63 (Mercer, NJ); 08610 8 listings, 3 candidates, bank pressure 64; 08520 6 listings, 2 candidates, bank pressure 63; 08628 6 listings, 0 candidates, bank pressure 63; 08629 6 listings, 3 candidates, bank pressure 63. Mercer, NJ totals: 165 listings; Mercer, NJ candidates 43; active ZIPs 19.
HUD assisted housing in Mercer, NJ
29 assisted properties with 2,397 units sit in Mercer, NJ; largest Mercer, NJ properties: South Village I & Ii (Trenton) 334 units, 334 assisted; Trent Center West (Trenton) 246 units; Princeton Community Village (Princeton) 238 units in Mercer, NJ; Trent Center East (Trenton) 229 units, 201 assisted; Alvin E. Gershen Apts A/K/A Pond Run Ii (Trenton) 161 units, 160 assisted; Lawrence Plaza (Lawrenceville) 160 units, 160 assisted.
Lenders with branches in Mercer, NJ
Mercer, NJ lenders by branch count: Bank Of Princeton (Mercer, NJ): stress 58, 7 branches low in Mercer, NJ; First Bank (Mercer, NJ): stress 68, 5 branches low in Mercer, NJ; Provident Bank (Mercer, NJ): stress 54, 3 branches low in Mercer, NJ; Oceanfirst Bank Na (Mercer, NJ): stress 78, 1 branch low in Mercer, NJ; First Commerce Bank (Mercer, NJ): stress 72, 1 branch low in Mercer, NJ; Spencer Savings Bank Sla (Mercer, NJ): stress 71, 1 branch low in Mercer, NJ; Cenlar Fsb (Mercer, NJ): stress 62, 1 branch low in Mercer, NJ.
Vacancy and permits, Mercer, NJ
7,024 of 151,138 Mercer, NJ housing units are vacant; Mercer, NJ permits, twelve months: 406 multifamily units in Mercer, NJ, 523 one-to-four unit units.
Work Mercer, NJ at the parcel level
Every Mercer, NJ parcel carries owner and address; every Mercer, NJ parcel carries APN; Mercer, NJ distress scores sit on the Mercer, NJ live board.
Mercer, NJ figures refresh with each source.
Mercer, NJ questions
Most distressed ZIP code in Mercer County, NJ?
ZIP 08512 leads Mercer, NJ at 29/100; next in Mercer, NJ: 08540 at 29/100; the Mercer, NJ average is 28/100.
Where does Mercer County, NJ rank for investment opportunity?
Mercer, NJ is #2,204 among all ranked counties, #8 in New Jersey; the Mercer, NJ driver is construction; Mercer, NJ moved up 108 places.
How many mortgages are delinquent in Mercer County, NJ?
0.9% of Mercer, NJ mortgages were ninety-plus days late in December 2025; the Mercer, NJ peak since 2008 was 6.3%.
Which banks lend in Mercer County, NJ?
7 watched lenders hold Mercer, NJ branches; the largest Mercer, NJ footprints are Bank Of Princeton (7), First Bank (5), Provident Bank (3).
More on Mercer, NJ
Mercer County, NJ distress report: public-record figures for Mercer, NJ; not legal advice for Mercer, NJ; not tax or investment advice; verify every Mercer, NJ record before acting.