ZIP 08812 Property Distress & Foreclosure Data

Composite property distress in 08812 (Somerset County, New Jersey) lands at 26/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (60/100), construction/permit lag (51/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. On the structural side it scores 60/100, with 2/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (94/100).

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 25% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 42% bachelor's-or-above. 15.3% of residents fall below the poverty threshold. Home values center near $442,900, an affordability ratio of 3.6× — accessible. Median household income is $119,534, above the U.S. median near $78,000. Owners hold 77% of homes, renters 23%. 14,177 residents call 08812 home, typically aged 42. The vacancy rate is 7.4%. Around 37% of renters are cost-burdened. The ZIP holds roughly 5,023 housing units.

Overall, 08812 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.