ZIP 08092 Foreclosure, Tax-Lien & Distress Report

Ocean County, New Jersey's ZIP 08092 registers 36/100 composite distress, which DLRadar reads as moderate. Leading the profile are construction/permit lag (87/100), structural risk (81/100), institutional ownership (49/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100). Latent structural risk is 81/100 while live distress already moving reads 7/100.

The market reads expansion — home values rose 5.2% year on year, and 31% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $97,058, above the U.S. median near $78,000. Educational attainment sits at 36% bachelor's-or-above. 7.6% of residents fall below the poverty threshold. A median home runs $496,900 here, or 4.9 times local income. Around 36% of renters are cost-burdened. The demographic-stress sub-score lands at 32/100. About 3,182 people live here, median age 42. There are about 1,382 housing units across 08092. Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 83% owner-occupied to 17% rented.

Taken together, 08092 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 08092 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 08092 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Ocean County, New Jersey and the nation. Nothing here is interpolated — where a source is thin for 08092, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

08092's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 08092 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.