ZIP 08321 Property Distress & Foreclosure Data

Composite property distress in 08321 (Cumberland County, New Jersey) lands at 22/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (82/100), flood (NFIP) exposure (65/100). The sharpest non-environmental signals are construction/permit lag (52/100), structural risk (50/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Structural risk reads 50/100 against active distress of 2/100.

The market reads expansion — home values rose 5.6% year on year, at 50/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 266 housing units across 08321. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 69.8%, above the national norm and a classic distress-and-opportunity signal. About 153 people live here, median age 62. Households earn a median $52,500 — below the roughly $78,000 national figure. About 18% have a four-year degree. On demographic stress specifically, 08321 scores 34/100. The tenure split is 86% owner-occupied to 14% rented. A median home runs $173,200 here, or 4.1 times local income.

Net-net, 08321 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.