ZIP 08638 Property Distress & Foreclosure Data

Mercer County, New Jersey's ZIP 08638 registers 28/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (72/100). The latent-versus-live split is 63/100 structural and 2/100 already moving. The most distinctive pressure shows up in construction/permit lag (82/100), structural risk (63/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 5.8% over the trailing year, and 28% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $65,650, below the U.S. median near $78,000. Home values center near $245,100, an affordability ratio of 3.5× — accessible. 21.6% of residents fall below the poverty threshold. The vacancy rate is 10.0%. Around 56% of renters are cost-burdened. The ZIP holds roughly 10,053 housing units. Educational attainment sits at 31% bachelor's-or-above. 23,373 residents call 08638 home, typically aged 36. DLRadar's demographic-stress index for the area reads 36/100. Owners hold 56% of homes, renters 44%.

Taken together, 08638 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.