Somerset County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Somerset County, NJ distress report, 2026: 33 ZIPs scored in Somerset, NJ, Somerset, NJ average 28/100; the top Somerset, NJ ZIP is 08540 at 29/100; Somerset, NJ market phase expansion, Somerset, NJ prices +5.2% year over year.
- Somerset, NJ ranks #3,098 nationally (opportunity index); Somerset, NJ #16 in New Jersey; Somerset, NJ index 22.1.
- Somerset, NJ ninety-day mortgage delinquency 0.6% in December 2025; Somerset, NJ twelve-month change 0.0%.
- Somerset, NJ ZIP phases: 31 expansion, 2 peak.
- Somerset, NJ residential listings tracked: 11 across 27 ZIPs; Somerset, NJ candidate listings 6.
- Somerset, NJ HUD assisted properties: 15 with 310 units.
- Somerset, NJ lenders on watch: 8; largest Somerset, NJ footprint Peapack Private Bank&Trust (7 branches).
- Somerset, NJ most distressed ZIP: 08540 at 29/100.
Somerset, NJ figures: DLRadar distress index; Somerset, NJ inputs: CFPB, FHFA, HUD, FDIC; Somerset, NJ rebuilt as sources refresh.
| Rank | Somerset, NJ ZIP | Score |
|---|---|---|
| 1 | 08540 | 29/100 |
| 2 | 07059 | 28/100 |
| 3 | 07069 | 28/100 |
| 4 | 07920 | 28/100 |
| 5 | 07921 | 28/100 |
| 6 | 07924 | 28/100 |
| 7 | 07931 | 28/100 |
| 8 | 07934 | 28/100 |
| 9 | 07939 | 28/100 |
| 10 | 07977 | 28/100 |
| 11 | 08502 | 28/100 |
| 12 | 08525 | 28/100 |
Most distressed Somerset, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Somerset, NJ
0.6% of Somerset, NJ mortgages were ninety-plus days late (Somerset, NJ, December 2025); Somerset, NJ thirty-to-eighty-nine days late: 1.2%; Somerset, NJ twelve-month change 0.0%; Somerset, NJ peak since 2008: 4.0% (January 2012); New Jersey overall 0.9%. Somerset, NJ ninety-day series: Dec 24 0.6, Jan 25 0.6, Feb 25 0.5 (Somerset, NJ), Mar 25 0.4, Apr 25 0.4, May 25 0.5 (Somerset, NJ), Jun 25 0.6, Jul 25 0.6, Aug 25 0.4 (Somerset, NJ), Sep 25 0.6, Oct 25 0.6, Nov 25 0.6 (Somerset, NJ), Dec 25 0.6.
Opportunity index: Somerset, NJ
Somerset, NJ index 22.1, Somerset, NJ phase weak; Somerset, NJ primary driver construction, Somerset, NJ second driver bank institutional. Somerset, NJ components: property stress 8.2, foreclosure pressure 4.6, listing discounts 17.1, bank stress 56.1, insurance 0.0; Somerset, NJ pulse 25.3; Somerset, NJ capital opportunity 17.3.
ZIP market phases inside Somerset, NJ
33 Somerset, NJ ZIPs carry a price-cycle phase; Somerset, NJ ZIPs by phase (Somerset, NJ), deepest drawdown first: expansion, +5.2% YoY (Somerset, NJ): 07059, 07060, 07062, 07063, Somerset, NJ 07069, 07920, 07921, 07924, Somerset, NJ 07931, 07934, 07939, 07977, Somerset, NJ 07979, 08502, 08528; peak, +4.7% YoY (Somerset, NJ): 08525.
Residential listings by Somerset, NJ ZIP
Somerset, NJ ZIPs with the most tracked Somerset, NJ residential listings: 08873 5 listings, 3 candidates, bank pressure 61; 07059 1 listings, 0 candidates, bank pressure 61; 07921 1 listings, 0 candidates, bank pressure 61; 07931 1 listings, 1 candidates, bank pressure 63 (Somerset, NJ); 08807 1 listings, 1 candidates, bank pressure 61; 08812 1 listings, 1 candidates, bank pressure 63; 08844 1 listings, 0 candidates, bank pressure 61; 07069 0 listings, 0 candidates, bank pressure 61. Somerset, NJ totals: 11 listings; Somerset, NJ candidates 6; active ZIPs 7.
HUD assisted housing in Somerset, NJ
15 assisted properties with 310 units sit in Somerset, NJ; largest Somerset, NJ properties: Centerbridge/A.K.A. Bridgewater Senior Citizens Ho (Bridgewater) 113 units, 112 assisted; Presbyterian Home@Franklin Twp (Franklin Township) 84 units, 84 assisted; Ridge Oak Ii (Basking Ridge) 40 units, 39 assisted in Somerset, NJ; Ridge Oak Iii (Basking Ridge) 20 units, 20 assisted; Apartment Two (Bridgewater) 10 units, 10 assisted; Somerset Arc Apartments (Bridgewater) 10 units, 10 assisted.
Lenders with branches in Somerset, NJ
Somerset, NJ lenders by branch count: Peapack Private Bank&Trust (Somerset, NJ): stress 78, 7 branches moderate in Somerset, NJ; Provident Bank (Somerset, NJ): stress 54, 6 branches low in Somerset, NJ; Somerset Regal Bank (Somerset, NJ): stress 66, 5 branches low in Somerset, NJ; Valley National Bank (Somerset, NJ): stress 60, 4 branches low in Somerset, NJ; Unity Bank (Somerset, NJ): stress 46, 3 branches low in Somerset, NJ; Kearny Bank (Somerset, NJ): stress 83, 2 branches low in Somerset, NJ; Magyar Bank (Somerset, NJ): stress 60, 2 branches low in Somerset, NJ; Bank Of Princeton (Somerset, NJ): stress 58, 2 branches low in Somerset, NJ.
Vacancy and permits, Somerset, NJ
2,837 of 133,639 Somerset, NJ housing units are vacant; Somerset, NJ permits, twelve months: 471 multifamily units in Somerset, NJ, 282 one-to-four unit units.
Work Somerset, NJ at the parcel level
Every Somerset, NJ parcel carries owner and address; every Somerset, NJ parcel carries APN; Somerset, NJ distress scores sit on the Somerset, NJ live board.
Somerset, NJ figures refresh with each source.
Somerset, NJ questions
Most distressed ZIP code in Somerset County, NJ?
ZIP 08540 leads Somerset, NJ at 29/100; next in Somerset, NJ: 07059 at 28/100; the Somerset, NJ average is 28/100.
Where does Somerset County, NJ rank for investment opportunity?
Somerset, NJ is #3,098 among all ranked counties, #16 in New Jersey; the Somerset, NJ driver is construction; Somerset, NJ moved down 73 places.
How many mortgages are delinquent in Somerset County, NJ?
0.6% of Somerset, NJ mortgages were ninety-plus days late in December 2025; the Somerset, NJ peak since 2008 was 4.0%.
Which banks lend in Somerset County, NJ?
8 watched lenders hold Somerset, NJ branches; the largest Somerset, NJ footprints are Peapack Private Bank&Trust (7), Provident Bank (6), Somerset Regal Bank (5).
More on Somerset, NJ
Somerset County, NJ distress report: public-record figures for Somerset, NJ; not legal advice for Somerset, NJ; not tax or investment advice; verify every Somerset, NJ record before acting.