Ocean County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ocean County, NJ distress report, 2026: 30 ZIPs scored in Ocean, NJ, Ocean, NJ average 36/100; the top Ocean, NJ ZIP is 08005 at 36/100; Ocean, NJ market phase expansion, Ocean, NJ prices +5.2% year over year.
- Ocean, NJ ranks #507 nationally (opportunity index); Ocean, NJ #1 in New Jersey; Ocean, NJ index 33.4.
- Ocean, NJ ninety-day mortgage delinquency 0.8% in December 2025; Ocean, NJ twelve-month change +0.1%.
- Ocean, NJ ZIP phases: 30 expansion.
- Ocean, NJ residential listings tracked: 73 across 29 ZIPs; Ocean, NJ candidate listings 25.
- Ocean, NJ HUD assisted properties: 16 with 813 units.
- Ocean, NJ lenders on watch: 8; largest Ocean, NJ footprint Oceanfirst Bank Na (11 branches).
- Ocean, NJ most distressed ZIP: 08005 at 36/100.
Ocean, NJ figures: DLRadar distress index; Ocean, NJ inputs: CFPB, FHFA, HUD, FDIC; Ocean, NJ rebuilt as sources refresh.
| Rank | Ocean, NJ ZIP | Score |
|---|---|---|
| 1 | 08005 | 36/100 |
| 2 | 08006 | 36/100 |
| 3 | 08008 | 36/100 |
| 4 | 08050 | 36/100 |
| 5 | 08092 | 36/100 |
| 6 | 08527 | 36/100 |
| 7 | 08533 | 36/100 |
| 8 | 08701 | 36/100 |
| 9 | 08721 | 36/100 |
| 10 | 08722 | 36/100 |
| 11 | 08723 | 36/100 |
| 12 | 08731 | 36/100 |
Most distressed Ocean, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Ocean, NJ
0.8% of Ocean, NJ mortgages were ninety-plus days late (Ocean, NJ, December 2025); Ocean, NJ thirty-to-eighty-nine days late: 2.0%; Ocean, NJ twelve-month change +0.1%; Ocean, NJ peak since 2008: 5.7% (January 2012); New Jersey overall 0.9%. Ocean, NJ ninety-day series: Dec 24 0.7, Jan 25 0.6, Feb 25 0.4 (Ocean, NJ), Mar 25 0.5, Apr 25 0.6, May 25 0.5 (Ocean, NJ), Jun 25 0.5, Jul 25 0.6, Aug 25 0.7 (Ocean, NJ), Sep 25 0.6, Oct 25 0.6, Nov 25 0.6 (Ocean, NJ), Dec 25 0.8.
Opportunity index: Ocean, NJ
Ocean, NJ index 33.4, Ocean, NJ phase peak_opportunity; Ocean, NJ primary driver construction, Ocean, NJ second driver bank institutional. Ocean, NJ components: property stress 26.7, foreclosure pressure 26.8, listing discounts 29.4, bank stress 58.9, insurance 0.0; Ocean, NJ pulse 38.7; Ocean, NJ capital opportunity 25.4; Ocean, NJ seven-day change +0.1%.
ZIP market phases inside Ocean, NJ
30 Ocean, NJ ZIPs carry a price-cycle phase; Ocean, NJ ZIPs by phase (Ocean, NJ), deepest drawdown first: expansion, +5.2% YoY (Ocean, NJ): 08005, 08006, 08008, 08050, Ocean, NJ 08087, 08092, 08514, 08527, Ocean, NJ 08533, 08701, 08721, 08722, Ocean, NJ 08723, 08724, 08731, 08732.
Residential listings by Ocean, NJ ZIP
Ocean, NJ ZIPs with the most tracked Ocean, NJ residential listings: 08087 12 listings, 4 candidates, bank pressure 64; 08724 7 listings, 3 candidates, bank pressure 66; 08527 6 listings, 4 candidates, bank pressure 64; 08701 5 listings, 1 candidates, bank pressure 64 (Ocean, NJ); 08723 5 listings, 2 candidates, bank pressure 64; 08753 5 listings, 1 candidates, bank pressure 64; 08005 4 listings, 1 candidates, bank pressure 64; 08721 4 listings, 0 candidates, bank pressure 64. Ocean, NJ totals: 73 listings; Ocean, NJ candidates 25; active ZIPs 6.
HUD assisted housing in Ocean, NJ
16 assisted properties with 813 units sit in Ocean, NJ; largest Ocean, NJ properties: Winteringham Village (Toms River) 183 units, 182 assisted; Highland Plaza (Toms River) 110 units, 110 assisted; Point Beach (Point Pleasant Beach) 108 units in Ocean, NJ; Stafford By The Bay (Stafford Township) 84 units, 84 assisted; The Oaks At Toms River (Dover Township) 84 units, 84 assisted; The Presbyterian Home At Manchester (Manchester Twp) 83 units, 83 assisted.
Lenders with branches in Ocean, NJ
Ocean, NJ lenders by branch count: Oceanfirst Bank Na (Ocean, NJ): stress 78, 11 branches low in Ocean, NJ; Provident Bank (Ocean, NJ): stress 54, 7 branches low in Ocean, NJ; Manasquan Bank (Ocean, NJ): stress 80, 5 branches low in Ocean, NJ; Kearny Bank (Ocean, NJ): stress 83, 4 branches low in Ocean, NJ; First Commerce Bank (Ocean, NJ): stress 72, 3 branches low in Ocean, NJ; Bank Of Princeton (Ocean, NJ): stress 58, 2 branches low in Ocean, NJ; Unity Bank (Ocean, NJ): stress 46, 1 branch low in Ocean, NJ; Crown Bank (Ocean, NJ): stress 5, 1 branch low in Ocean, NJ.
Vacancy and permits, Ocean, NJ
52,514 of 296,357 Ocean, NJ housing units are vacant; Ocean, NJ permits, twelve months: 442 multifamily units in Ocean, NJ, 1,970 one-to-four unit units.
Work Ocean, NJ at the parcel level
Every Ocean, NJ parcel carries owner and address; every Ocean, NJ parcel carries APN; Ocean, NJ distress scores sit on the Ocean, NJ live board.
Ocean, NJ figures refresh with each source.
Ocean, NJ questions
Most distressed ZIP code in Ocean County, NJ?
ZIP 08005 leads Ocean, NJ at 36/100; next in Ocean, NJ: 08006 at 36/100; the Ocean, NJ average is 36/100.
Where does Ocean County, NJ rank for investment opportunity?
Ocean, NJ is #507 among all ranked counties, #1 in New Jersey; the Ocean, NJ driver is construction; Ocean, NJ moved down 30 places.
How many mortgages are delinquent in Ocean County, NJ?
0.8% of Ocean, NJ mortgages were ninety-plus days late in December 2025; the Ocean, NJ peak since 2008 was 5.7%.
Which banks lend in Ocean County, NJ?
8 watched lenders hold Ocean, NJ branches; the largest Ocean, NJ footprints are Oceanfirst Bank Na (11), Provident Bank (7), Manasquan Bank (5).
More on Ocean, NJ
Ocean County, NJ distress report: public-record figures for Ocean, NJ; not legal advice for Ocean, NJ; not tax or investment advice; verify every Ocean, NJ record before acting.