Union County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Union County, NJ distress report, 2026: 27 ZIPs scored in Union, NJ, Union, NJ average 22/100; the top Union, NJ ZIP is 08812 at 28/100; Union, NJ market phase expansion, Union, NJ prices +5.2% year over year.
- Union, NJ ranks #3,168 nationally (opportunity index); Union, NJ #19 in New Jersey; Union, NJ index 21.0.
- Union, NJ ninety-day mortgage delinquency 1.1% in December 2025; Union, NJ twelve-month change +0.2%.
- Union, NJ ZIP phases: 27 expansion.
- Union, NJ residential listings tracked: 127 across 26 ZIPs; Union, NJ candidate listings 18.
- Union, NJ HUD assisted properties: 24 with 1,817 units.
- Union, NJ lenders on watch: 8; largest Union, NJ footprint Columbia Bank (6 branches).
- Union, NJ most distressed ZIP: 08812 at 28/100.
Union, NJ figures: DLRadar distress index; Union, NJ inputs: CFPB, FHFA, HUD, FDIC; Union, NJ rebuilt as sources refresh.
| Rank | Union, NJ ZIP | Score |
|---|---|---|
| 1 | 08812 | 28/100 |
| 2 | 07060 | 24/100 |
| 3 | 07063 | 24/100 |
| 4 | 07062 | 23/100 |
| 5 | 07016 | 22/100 |
| 6 | 07023 | 22/100 |
| 7 | 07027 | 22/100 |
| 8 | 07033 | 22/100 |
| 9 | 07036 | 22/100 |
| 10 | 07065 | 22/100 |
| 11 | 07066 | 22/100 |
| 12 | 07076 | 22/100 |
Most distressed Union, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Union, NJ
1.1% of Union, NJ mortgages were ninety-plus days late (Union, NJ, December 2025); Union, NJ thirty-to-eighty-nine days late: 2.0%; Union, NJ twelve-month change +0.2%; Union, NJ peak since 2008: 8.5% (June 2012); New Jersey overall 0.9%. Union, NJ ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.1 (Union, NJ), Mar 25 1.0, Apr 25 0.8, May 25 0.8 (Union, NJ), Jun 25 0.8, Jul 25 0.8, Aug 25 1.0 (Union, NJ), Sep 25 1.0, Oct 25 0.9, Nov 25 0.8 (Union, NJ), Dec 25 1.1.
Opportunity index: Union, NJ
Union, NJ index 21.0, Union, NJ phase weak; Union, NJ primary driver bank institutional, Union, NJ second driver vacancy. Union, NJ components: property stress 11.8, foreclosure pressure 9.0, listing discounts 16.6, bank stress 60.4, insurance 0.0; Union, NJ pulse 23.6; Union, NJ capital opportunity 17.0.
ZIP market phases inside Union, NJ
27 Union, NJ ZIPs carry a price-cycle phase; Union, NJ ZIPs by phase (Union, NJ), deepest drawdown first: expansion, +5.2% YoY (Union, NJ): 07016, 07023, 07027, 07033, Union, NJ 07036, 07060, 07062, 07063, Union, NJ 07065, 07066, 07076, 07081, Union, NJ 07083, 07088, 07090, 07092.
Residential listings by Union, NJ ZIP
Union, NJ ZIPs with the most tracked Union, NJ residential listings: 07090 55 listings, 6 candidates, bank pressure 66; 07901 51 listings, 11 candidates, bank pressure 66; 07205 3 listings, 0 candidates, bank pressure 66; 07016 2 listings, 0 candidates, bank pressure 66 (Union, NJ); 07027 2 listings, 0 candidates, bank pressure 66; 07060 2 listings, 0 candidates, bank pressure 63; 07062 2 listings, 0 candidates, bank pressure 64; 07083 2 listings, 0 candidates, bank pressure 66. Union, NJ totals: 127 listings; Union, NJ candidates 18; active ZIPs 16.
HUD assisted housing in Union, NJ
24 assisted properties with 1,817 units sit in Union, NJ; largest Union, NJ properties: Warren J. Lockwood Village (Roselle) 310 units; Elizabeth Towers (Elizabeth) 193 units; Pinewood Hall (Roselle) 170 units in Union, NJ; Schaefer Gardens (Union) 156 units; Plainfield Tower West (Plainfield) 154 units, 154 assisted; Allen Young Apartments (Plainfield) 107 units.
Lenders with branches in Union, NJ
Union, NJ lenders by branch count: Columbia Bank (Union, NJ): stress 82, 6 branches low in Union, NJ; Valley National Bank (Union, NJ): stress 60, 6 branches low in Union, NJ; Provident Bank (Union, NJ): stress 54, 5 branches low in Union, NJ; Union County Savings Bank (Union, NJ): stress 100, 4 branches elevated in Union, NJ; Spencer Savings Bank Sla (Union, NJ): stress 71, 4 branches low in Union, NJ; Connectone Bank (Union, NJ): stress 58, 4 branches moderate in Union, NJ; Haven Savings Bank (Union, NJ): stress 93, 3 branches low in Union, NJ; Unity Bank (Union, NJ): stress 46, 3 branches moderate in Union, NJ.
Vacancy and permits, Union, NJ
9,108 of 212,385 Union, NJ housing units are vacant; Union, NJ permits, twelve months: 1,639 multifamily units in Union, NJ, 239 one-to-four unit units.
Work Union, NJ at the parcel level
Every Union, NJ parcel carries owner and address; every Union, NJ parcel carries APN; Union, NJ distress scores sit on the Union, NJ live board.
Union, NJ figures refresh with each source.
Union, NJ questions
Most distressed ZIP code in Union County, NJ?
ZIP 08812 leads Union, NJ at 28/100; next in Union, NJ: 07060 at 24/100; the Union, NJ average is 22/100.
Where does Union County, NJ rank for investment opportunity?
Union, NJ is #3,168 among all ranked counties, #19 in New Jersey; the Union, NJ driver is bank institutional; Union, NJ moved down 42 places.
How many mortgages are delinquent in Union County, NJ?
1.1% of Union, NJ mortgages were ninety-plus days late in December 2025; the Union, NJ peak since 2008 was 8.5%.
Which banks lend in Union County, NJ?
8 watched lenders hold Union, NJ branches; the largest Union, NJ footprints are Columbia Bank (6), Valley National Bank (6), Provident Bank (5).
More on Union, NJ
Union County, NJ distress report: public-record figures for Union, NJ; not legal advice for Union, NJ; not tax or investment advice; verify every Union, NJ record before acting.