ZIP 08801 Foreclosure, Tax-Lien & Distress Report

In Hunterdon County, New Jersey, ZIP 08801 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), institutional ownership (17/100), construction/permit lag (8/100). By contrast, construction/permit lag (8/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (77/100). On the structural side it scores 42/100, with 2/100 of stress already active.

The market reads expansion — home values rose 6.0% year on year, and 26% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $144,060 — above the roughly $78,000 national figure. On demographic stress specifically, 08801 scores 21/100. The tenure split is 85% owner-occupied to 15% rented. About 62% have a four-year degree. Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. A median home runs $522,000 here, or 3.5 times local income. Around 26% of renters are cost-burdened. The vacancy rate is 1.1%. The ZIP holds roughly 2,841 housing units. About 7,391 people live here, median age 44.

Overall 08801 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.