ZIP 08738 Property Distress & Foreclosure Data

ZIP code 08738 in Ocean County, New Jersey carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (64/100). What sets it apart are the readings on construction/permit lag (84/100), structural risk (80/100), institutional ownership (54/100). By contrast, mortgage stress (22/100) register low. Structural exposure scores 80 and live distress 7 on the 0–100 scale.

The market reads expansion — home values rose 6.0% year on year, and 22% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,708 housing units across 08738. Vacancy runs 65.0%, above the national norm and a classic distress-and-opportunity signal. About 1,371 people live here, median age 59. On demographic stress specifically, 08738 scores 30/100. The tenure split is 97% owner-occupied to 3% rented. About 71% have a four-year degree. Roughly 1.5% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 0% of tenant households. A median home runs $1,493,200 here, or 6.5 times local income. Households earn a median $218,667 — above the roughly $78,000 national figure.

Net-net, 08738 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.