ZIP 08807 Property Distress & Foreclosure Data

DLRadar grades ZIP 08807 (Somerset County, New Jersey) at a low 24/100 for overall property distress. Property-level stress concentrates in structural risk (55/100), construction/permit lag (33/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. The latent-versus-live split is 55/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (93/100).

The market reads expansion — home values rose 6.0% year on year, and 28% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 08807 scores 24/100. About 61% have a four-year degree. Around 42% of renters are cost-burdened. About 38,438 people live here, median age 43. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas. A median home runs $591,200 here, or 3.4 times local income. The vacancy rate is 3.0%. The tenure split is 83% owner-occupied to 17% rented. Households earn a median $165,983 — above the roughly $78,000 national figure. The ZIP holds roughly 14,581 housing units.

Overall 08807 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.