Somerset County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Somerset County, New Jersey? DLRadar grades every Somerset County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Somerset County breakdown.
- Somerset County's most distressed ZIP is 08528 at 29/100.
- 33 ZIP codes tracked in Somerset County, averaging 28/100 distress.
- Somerset County reads expansion — home values up 5.2% year over year.
- Vacancy runs 6% across Somerset County's tracked ZIPs, with a 6.7% poverty rate.
- The typical Somerset County home is worth about $605,507 against a ~$140,521 median income.
- Lending headwind in Somerset County sits at 51/100 — 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 | 08528 | 29/100 |
| 2 | 08540 | 29/100 |
| 3 | 08812 | 29/100 |
| 4 | 07059 | 28/100 |
| 5 | 07069 | 28/100 |
| 6 | 07920 | 28/100 |
| 7 | 07921 | 28/100 |
| 8 | 07924 | 28/100 |
| 9 | 07931 | 28/100 |
| 10 | 07934 | 28/100 |
| 11 | 07939 | 28/100 |
| 12 | 07977 | 28/100 |
Most distressed ZIP codes in Somerset County (composite distress 0-100, 2026)
What is driving Somerset County distress
Somerset County's placement in the national index rests on public filings — a 28/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Somerset County market phase and pricing
Somerset County reads expansion — home prices rose 5.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Somerset County
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Questions about this county
Where is distress highest inside Somerset County, NJ?
ZIP 08528 leads Somerset County at 29/100, recomputed monthly from public records.
Where is Somerset County in the housing cycle?
Phase for Somerset County: expansion, tracking a 5.2% gain year over year, read off the FHFA index.
Can the Somerset County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 33 Somerset 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 Somerset County ZIP codes?
One county number flattens a wide range. Across the Somerset County ZIPs DLRadar ranks, scores run from 29/100 in 08528 down to 28/100 in 07977, against a Somerset County average of 28/100. That 1-point gap is why acquisition targeting in Somerset County works at ZIP level rather than county level.
What do Somerset County home values and vacancy say about distressed supply?
The typical Somerset County home carries about $605,507 of value against a median household income near $140,521. Vacancy across Somerset County's tracked ZIPs runs 6% and the poverty rate is 6.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Somerset County's foreclosure and lien filings and its 51/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.