ZIP 08226 Foreclosure, Tax-Lien & Distress Report

ZIP code 08226 in Cape May County, New Jersey carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 57/100 while live distress already moving reads 5/100. What sets it apart are the readings on construction/permit lag (58/100), structural risk (57/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (17/100). It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (80/100).

The market reads expansion — home values rose 5.9% year on year, and 14% higher over three years (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 11,260 people live here, median age 57. A median home runs $840,500 here, or 7.1 times local income. Owners hold 72% of homes, renters 28%. There are about 21,191 housing units across 08226. Median household income is $101,782, above the U.S. median near $78,000. The demographic-stress sub-score lands at 46/100. Around 55% of renters are cost-burdened. Educational attainment sits at 55% bachelor's-or-above. Vacancy runs 73.1%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 7.9%.

On the whole, 08226 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 08226 at the moment; the composite and its components are still built from verifiable records.

The 08226 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 08226 stays directly comparable to neighboring ZIPs and the rest of Cape May County, New Jersey. The score is rebuilt from public data as it updates, so 08226 reflects the current record instead of a stale or modeled snapshot.

The 25/100 figure for 08226 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 08226 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.