Somerset County, NJ: Foreclosures, Tax Liens & Distressed Properties
Somerset County, NJ, New Jersey: 33 ZIP codes scored, Somerset County, NJ averaging 28/100 (low, Somerset, NJ), from 23 to 29. Somerset County, NJ is in its expansion phase (Somerset, NJ confidence 35/100): Somerset, NJ home prices up 5.2% (Somerset, NJ) over twelve months. Somerset County, NJ lender headwind: 51/100.
Highest-scoring Somerset County, NJ ZIPs: 08540 (29/100), 07059 (28/100), 07069 (28/100), 07920 (28/100), 07921 (28/100), 07924 (28/100). Also scored in Somerset County, NJ: 07931, 07934, 07939, 07977, 08502, 08525, 08528, 08553, 08558, 08805.
Across Somerset County, NJ's scored ZIPs: median home value $605,507, household income $140,521, 6.0% vacancy, 6.7% poverty, 73% owner-occupied, median age 44.2.
Somerset County, NJ insurance distress 33/100 (#1,504 in the US); FEMA hazard 0/100 for Somerset, NJ; 194 Somerset, NJ NFIP flood claims, $10.9M paid; Somerset, NJ construction distress 72/100.
20 banks with 93 branches lend in Somerset County, NJ; Somerset, NJ weighted bank stress 64/100, highest 83/100 in Somerset, NJ.
Somerset County, NJ unemployment 4.1% (Somerset, NJ -0.4 pts, six months); 753 new housing units permitted in Somerset County, NJ over twelve months, Somerset, NJ down 23% from 976; Somerset, NJ home prices +10.7% a year (Somerset, NJ) over three years.
133,639 housing units in Somerset County, NJ; 33,045 Somerset, NJ renter households; 46% of Somerset, NJ renters spend 30%+ of income on rent, 25% (Somerset, NJ) half or more.
Somerset County, NJ ranks #3,098 nationally on the opportunity index (Somerset, NJ, among all ranked counties); Somerset, NJ scores 22.1/100 and Somerset, NJ sits #16 inside New Jersey. Somerset, NJ is in the weak opportunity phase; Somerset, NJ's primary driver is construction, Somerset, NJ second driver bank institutional; Somerset, NJ moved down 73 places. 34 short-sale listings across Somerset, NJ; 80 days on market observed in Somerset, NJ; 2.9% vacancy over 33 Somerset, NJ ZIPs.
0.6% of Somerset County, NJ mortgages were ninety-plus days late in December 2025; Somerset, NJ's thirty-to-eighty-nine-day share was 1.2% (CFPB county sample). Somerset, NJ's ninety-day rate is unchanged on twelve months earlier; the Somerset, NJ peak since 2008 was 4.0% in January 2012; New Jersey overall reads 0.9%.
Somerset County, NJ has 11 watched banks; 11 Somerset, NJ banks sit in an elevated band. Somerset, NJ footprints: Peapack Private Bank&Trust (7 branches, stress 78) in Somerset, NJ; Provident Bank (6 branches, stress 54) in Somerset, NJ; Somerset Regal Bank (5 branches, stress 66) in Somerset, NJ.
HUD lists 15 assisted multifamily properties in Somerset County, NJ with 310 units; 308 Somerset, NJ units are assisted, 3 Somerset, NJ properties under project-based Section 8.
2,837 of the 133,639 housing units in Somerset, NJ sit vacant. Somerset County, NJ permitted 471 multifamily units in twelve months; Somerset, NJ's one-to-four unit structures added 282 units in Somerset County, NJ.