ZIP 08038 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 08038 in Salem County, New Jersey comes in at 23, a low composite-distress reading. Its heaviest discrete signals: construction/permit lag (59/100), structural risk (53/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). The latent-versus-live split is 53/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (75/100).

The expansion-phase market in 08038 posted values that rose 5.2% over the year (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 22/100. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 159 housing units. Rent burden reaches 13% of tenant households. 62% of housing is owner-occupied. Educational attainment sits at 11% bachelor's-or-above. Median household income is $90,417, above the U.S. median near $78,000. Home values center near $144,300, an affordability ratio of 1.9× — accessible. 341 residents call 08038 home, typically aged 38. Vacancy runs 1.2%.

Broadly, 08038 is a steadier market — the deals are the exceptions, not the rule. While 08038 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 08038 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Salem County, New Jersey and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 08038 shows blanks, not estimates, wherever the record is sparse.

08038's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 08038 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.