ZIP 08609 Property Distress & Foreclosure Data

DLRadar grades ZIP 08609 (Mercer County, New Jersey) at a low 28/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (72/100). The latent-versus-live split is 63/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (82/100), structural risk (63/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.8% year on year, and 47% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $103,700 here, or 1.7 times local income. Roughly 21.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $56,932 — below the roughly $78,000 national figure. Around 48% of renters are cost-burdened. The vacancy rate is 16.1% — elevated. On demographic stress specifically, 08609 scores 35/100. About 10% have a four-year degree. The tenure split is 31% owner-occupied to 69% rented. About 13,000 people live here, median age 36. The ZIP holds roughly 5,248 housing units.

Net-net, 08609 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.