Mercer County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mercer County, New Jersey? DLRadar grades every Mercer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Mercer County breakdown.
- Mercer County's most distressed ZIP is 08512 at 30/100.
- 26 ZIP codes tracked in Mercer County, averaging 28/100 distress.
- Mercer County reads peak — home values up 4.5% year over year.
- Vacancy runs 5.4% across Mercer County's tracked ZIPs, with a 12.2% poverty rate.
- The typical Mercer County home is worth about $450,584 against a ~$112,651 median income.
- Lending headwind in Mercer County sits at 50/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 08512 | 30/100 |
| 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 ZIP codes in Mercer County (composite distress 0-100, 2026)
What is driving Mercer County distress
The Mercer County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 28/100 ZIP average. No proprietary or modelled inputs enter the score.
Mercer County market phase and pricing
DLRadar places Mercer County in peak; prices moved up 4.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Mercer County
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Frequently asked questions
What is the hardest-hit ZIP in Mercer County?
ZIP 08512 leads Mercer County at 30/100, recomputed monthly from public records.
What market phase is Mercer County in?
FHFA price-index movement places Mercer County in peak; prices are up 4.5% over twelve months.
What is this Mercer County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 26 Mercer County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Mercer County ZIP codes?
A county average hides the spread. Across the Mercer County ZIPs DLRadar ranks, scores run from 30/100 in 08512 down to 28/100 in 08561, against a Mercer County average of 28/100. That 2-point gap is why acquisition targeting in Mercer County works at ZIP level rather than county level.
What do Mercer County home values and vacancy say about distressed supply?
The typical Mercer County home carries about $450,584 of value against a median household income near $112,651. Vacancy across Mercer County's tracked ZIPs runs 5.4% and the poverty rate is 12.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Mercer County's filings and its 50/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.