New Jersey County Foreclosure & Distress Reports (2026)
One report per county — 21 in New Jersey — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the New Jersey distress hub; insurance pressure is on the New Jersey home-insurance page.
21 New Jersey county reports sit in this archive; New Jersey opportunity phases run 15 weak, 4 early_signal, 1 peak_opportunity; New Jersey ninety-day delinquency 0.9%; 50 banks chartered in New Jersey; 36,443 HUD-assisted New Jersey units.
New Jersey counties to open first by opportunity rank: Ocean (#554, peak_opportunity); Cape May (#740, early_signal); Salem (#1,238, watchlist) in New Jersey; Atlantic (#1,524, early_signal); Camden (#1,904, early_signal); Cumberland (#1,904, early_signal).
New Jersey insurance bands across counties: 20 low in New Jersey, 1 medium; New Jersey NFIP claims 1,854 in three years.
New Jersey counties in the expansion phase (19): Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland (New Jersey), Essex, Gloucester, Hudson, Hunterdon, Middlesex, Monmouth (New Jersey), Morris, Ocean, Passaic, Salem, Somerset, Sussex (New Jersey), Union.
New Jersey counties in the peak phase (2): Mercer, Warren.
New Jersey permitted 31,546 housing units in twelve months; 283,653 New Jersey units sit vacant of 3,791,354.
New Jersey counties highest on the national opportunity index: Ocean #554 (33.1/100, peak_opportunity); Cape May #740 (32.2/100, early_signal); Salem #1,238 (30.3/100, watchlist) in New Jersey; Atlantic #1,524 (29.3/100, early_signal); Camden #1,904 (28.0/100, early_signal); Cumberland #1,904 (28.0/100, early_signal) in New Jersey; Gloucester #2,134 (27.2/100, weak); Mercer #2,197 (27.0/100, weak); Burlington #2,439 (26.1/100, weak) in New Jersey; Sussex #2,624 (25.3/100, weak); Hudson #2,855 (24.1/100, weak); Hunterdon #2,952 (23.5/100, weak) in New Jersey.
How the New Jersey county reports are scored: each New Jersey report reads its county's foreclosure filings, New Jersey tax-lien and tax-deed records, FHA mortgage delinquency in New Jersey (ninety-day rate 0.9%, December 2025), the FDIC stress of New Jersey lenders (50 chartered in New Jersey) and FEMA/NFIP pressure on New Jersey (1,854 NFIP claims, three years), then scores every New Jersey ZIP 0-100.
Ocean County leads New Jersey on the opportunity index at #554 nationally with 30 scored ZIPs. Every New Jersey report is rebuilt monthly from public records; a New Jersey county whose data lapses keeps its New Jersey page and says so.