Monmouth County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monmouth County, New Jersey? DLRadar grades every Monmouth County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Monmouth County breakdown.
- Monmouth County's most distressed ZIP is 08724 at 35/100.
- 52 ZIP codes tracked in Monmouth County, averaging 28/100 distress.
- Monmouth County reads expansion — home values up 5.2% year over year.
- Vacancy runs 10% across Monmouth County's tracked ZIPs, with a 5.2% poverty rate.
- The typical Monmouth County home is worth about $727,886 against a ~$127,051 median income.
- Lending headwind in Monmouth County sits at 52/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 08724 | 35/100 |
| 2 | 08514 | 30/100 |
| 3 | 07747 | 29/100 |
| 4 | 07701 | 28/100 |
| 5 | 07702 | 28/100 |
| 6 | 07703 | 28/100 |
| 7 | 07704 | 28/100 |
| 8 | 07711 | 28/100 |
| 9 | 07712 | 28/100 |
| 10 | 07716 | 28/100 |
| 11 | 07717 | 28/100 |
| 12 | 07718 | 28/100 |
Most distressed ZIP codes in Monmouth County (composite distress 0-100, 2026)
What is driving Monmouth County distress
Nothing here is estimated: Monmouth County is scored from filings alone, and its ZIPs average 28/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Monmouth County market phase and pricing
The cycle in Monmouth County is expansion, with values up 5.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked questions
Which part of Monmouth County, NJ scores highest for distress?
ZIP 08724 leads Monmouth County at 35/100, recomputed monthly from public records.
Which phase does Monmouth County sit in right now?
Monmouth County is classified expansion with a 5.2% year-over-year increase, following the FHFA House Price Index.
Can the Monmouth County figures be verified?
Every Monmouth County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 52 Monmouth County ZIP codes that it runs on every other U.S. county, so Monmouth County's numbers are directly comparable to any other market.
How much do distress scores vary between Monmouth County ZIP codes?
One county number flattens a wide range. Across the Monmouth County ZIPs DLRadar ranks, scores run from 35/100 in 08724 down to 28/100 in 07718, against a Monmouth County average of 28/100. Because the gap runs to 7 points, Monmouth County rewards ZIP-level precision.
What do Monmouth County home values and vacancy say about distressed supply?
The typical Monmouth County home carries about $727,886 of value against a median household income near $127,051. Vacancy across Monmouth County's tracked ZIPs runs 10% and the poverty rate is 5.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Monmouth County's foreclosure and tax-lien record and its 52/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.