ZIP 08821 Property Distress & Foreclosure Data

Composite property distress in 08821 (Somerset County, New Jersey) lands at 24/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. The sharpest non-environmental signals are structural risk (55/100), construction/permit lag (33/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted.

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

375 residents call 08821 home, typically aged 41. Owners hold 89% of homes, renters 11%. Home values center near $443,300, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 108 housing units. 0.0% of residents fall below the poverty threshold. The vacancy rate is 0.0%. Educational attainment sits at 41% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 22/100. Median household income is $122,857, above the U.S. median near $78,000.

On balance, 08821 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.