New Jersey Foreclosures, Tax Liens & Distressed Properties

DLRadar reads New Jersey from the parcel up: foreclosure, tax, mortgage and lender records rolled into one score per ZIP. Across the state the phase mix is 19 expansion, 2 peak. The state covers 21 scored counties and 598 ZIP codes, averaging 26/100 composite distress. New Jersey leans expansion overall, with average prices up 5.3% YoY.

Among the hardest-hit are Cape May County, Cumberland County, Salem County, Gloucester County, Union County.

By ZIP, New Jersey distress peaks in 08005 (35/100), 08006 (35/100), 08008 (35/100), 08050 (35/100), 08092 (35/100).

County by county, here is how market phase and distress break down across New Jersey.

DLRadar reads Atlantic County as expansion — values rising 5.9%, bank stress 51/100. Bergen County reads expansion — prices up 5.2%, headwind 58/100. Burlington County: expansion, appreciation near 5.2%, lender pressure 50/100. Camden County is expansion (values rising 5.2%, lender pressure 51/100). Cape May County — expansion, up 5.9% on the year, a 94/100 lender reading. Cumberland County is expansion (appreciation near 7.8%, bank stress 74/100). Essex County is in its expansion phase, up 5.2% on the year, bank stress 55/100.

Gloucester County is expansion (values rising 5.2%, lender pressure 61/100). Hudson County is in its expansion phase, homes +5.2% YoY, lender pressure 53/100. DLRadar reads Hunterdon County as expansion — prices up 5.2%, lender pressure 57/100. Mercer County: peak, up 4.5% on the year, a 50/100 lender reading. Middlesex County: expansion, values rising 5.2%, a 47/100 lender reading. DLRadar reads Monmouth County as expansion — appreciation near 5.2%, lender pressure 52/100. Morris County is expansion (appreciation near 5.2%, bank stress 52/100).

Ocean County: expansion, prices up 5.2%, a 52/100 lender reading. Passaic County is expansion (appreciation near 5.2%, bank stress 54/100). DLRadar reads Salem County as expansion — up 5.2% on the year, a 66/100 lender reading. Somerset County is in its expansion phase, appreciation near 5.2%, lender pressure 51/100. Sussex County is in its expansion phase, appreciation near 5.2%, headwind 43/100. Union County reads expansion — up 5.2% on the year, a 59/100 lender reading. Warren County is peak (up 4.7% on the year, bank stress 49/100).

New Jersey opportunity phases: 15 weak, 4 early_signal, 1 peak_opportunity, 1 watchlist; New Jersey average index 25.3. Best-ranked New Jersey counties: Ocean #507 (33.4), construction; Cape May #741 (32.2), vacancy; Salem #1,253 (30.3), bank institutional in New Jersey; Atlantic #1,528 (29.3), construction; Camden #1,907 (28.0), construction; Cumberland #1,907 (28.0), bank institutional.

New Jersey mortgages ninety-plus days late: 0.9%; New Jersey thirty-to-eighty-nine days late 2.0% (December 2025); 18 New Jersey counties sit in the CFPB sample; highest New Jersey county readings: Camden 1.8%, Burlington 1.5%, Gloucester 1.3%, Sussex 1.3%, Atlantic 1.1%.

New Jersey county unemployment averages 4.9% across 21 counties; New Jersey permitted 31,546 housing units in twelve months (17,215 multifamily); 283,653 of 3,791,354 New Jersey housing units are vacant; 1,262,873 New Jersey renter households, 48.7% spending 30%+ of income on rent.

New Jersey ZIP price-cycle phases: 1,726 peak, 773 expansion, 119 contraction, 101 recovery, 10 neutral.