Union County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, New Jersey? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 08812 at 29/100.
- 27 ZIP codes tracked in Union County, averaging 23/100 distress.
- Union County reads expansion — home values up 5.2% year over year.
- Vacancy runs 4% across Union County's tracked ZIPs, with a 8.2% poverty rate.
- The typical Union County home is worth about $550,863 against a ~$110,864 median income.
- Lending headwind in Union County sits at 59/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 08812 | 29/100 |
| 2 | 07060 | 24/100 |
| 3 | 07063 | 24/100 |
| 4 | 07016 | 23/100 |
| 5 | 07023 | 23/100 |
| 6 | 07027 | 23/100 |
| 7 | 07033 | 23/100 |
| 8 | 07036 | 23/100 |
| 9 | 07062 | 23/100 |
| 10 | 07065 | 23/100 |
| 11 | 07066 | 23/100 |
| 12 | 07076 | 23/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
Union County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Union County market phase and pricing
Union County currently sits in expansion after a 5.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Union County
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Frequently asked questions
What is the most distressed ZIP code in Union County, NJ?
ZIP 08812 leads Union County at 29/100, recomputed monthly from public records.
How would you describe the Union County market phase?
Phase for Union County: expansion, tracking a 5.2% gain year over year, read off the FHFA index.
What are the sources behind these Union County numbers?
Union 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 27 ZIPs are comparable to anywhere else.
How much do distress scores vary between Union County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Union County ZIPs DLRadar ranks, scores run from 29/100 in 08812 down to 23/100 in 07076, against a Union County average of 23/100. With 6 points between best and worst, county-level targeting in Union County wastes effort.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $550,863 of value against a median household income near $110,864. Vacancy across Union County's tracked ZIPs runs 4% and the poverty rate is 8.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Union County's foreclosure and tax-lien filings and its 59/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.