ZIP 08609 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 08609 in Mercer County, New Jersey comes in at 28, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (72/100). Latent structural risk is 64/100 while live distress already moving reads 2/100. Property-level stress concentrates in construction/permit lag (88/100), structural risk (64/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The peak-phase market in 08609 posted values that rose 4.5% over the year, and 47% higher over three years (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $103,700 here, or 1.7 times local income. 21.5% of residents fall below the poverty threshold. Households earn a median $56,932 — below the roughly $78,000 national figure. Around 48% of renters are cost-burdened. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 08609 scores 35/100. Educational attainment sits at 10% bachelor's-or-above. Owners hold 31% of homes, renters 69%. Population is roughly 13,000 with a median age of 36. The ZIP holds roughly 5,248 housing units.

On the whole, 08609 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 08609 at the moment; the composite and its components are still built from verifiable public records.

Whether 08609 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08609 can be compared directly against any other ZIP in Mercer County, New Jersey or nationwide. The score is rebuilt from public data as it updates, so 08609 reflects the current record instead of a stale or modeled snapshot.

08609'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. For an operator, 08609 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.