Ocean County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ocean County, New Jersey? DLRadar grades every Ocean County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Ocean County breakdown.
- Ocean County's most distressed ZIP is 08005 at 36/100.
- 30 ZIP codes tracked in Ocean County, averaging 36/100 distress.
- Ocean County reads expansion — home values up 5.2% year over year.
- Vacancy runs 24% across Ocean County's tracked ZIPs, with a 6.9% poverty rate.
- The typical Ocean County home is worth about $539,313 against a ~$88,581 median income.
- Lending headwind in Ocean County sits at 52/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Ocean County (composite distress 0-100, 2026)
What is driving Ocean County distress
Nothing here is estimated: Ocean County is scored from filings alone, and its ZIPs average 36/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Ocean County market phase and pricing
DLRadar places Ocean County in expansion; prices moved up 5.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Ocean County
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Common questions
What is the most distressed ZIP code in Ocean County, NJ?
ZIP 08005 leads Ocean County at 36/100, recomputed monthly from public records.
Where is Ocean County in the housing cycle?
Phase for Ocean County: expansion, tracking a 5.2% gain year over year, read off the FHFA index.
Where does the Ocean County data come from?
Ocean County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 30 ZIPs are comparable to anywhere else.
How much do distress scores vary between Ocean County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Ocean County ZIPs DLRadar ranks, scores run from 36/100 in 08005 down to 36/100 in 08731, against a Ocean County average of 36/100. That 0-point gap is why acquisition targeting in Ocean County works at ZIP level rather than county level.
What do Ocean County home values and vacancy say about distressed supply?
The typical Ocean County home carries about $539,313 of value against a median household income near $88,581. Vacancy across Ocean County's tracked ZIPs runs 24% and the poverty rate is 6.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Ocean County's filings and its 52/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.