ZIP 08731 Property Distress & Foreclosure Data

Composite property distress in 08731 (Ocean County, New Jersey) lands at 36/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (84/100), structural risk (80/100), institutional ownership (54/100). mortgage stress (22/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (64/100). On the structural side it scores 80/100, with 7/100 of stress already active.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 26% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $93,267, above the U.S. median near $78,000. 21,136 residents call 08731 home, typically aged 48. 5.1% of residents fall below the poverty threshold. Owners hold 85% of homes, renters 15%. The vacancy rate is 11.7% — elevated. Educational attainment sits at 32% bachelor's-or-above. Around 47% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. Home values center near $404,200, an affordability ratio of 3.9× — accessible. The ZIP holds roughly 9,719 housing units.

Overall, 08731 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.