ZIP 08823 Property Distress & Foreclosure Data

ZIP code 08823 in Somerset County, New Jersey carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (96/100), climate & FEMA risk (93/100)). On the structural side it scores 55/100, with 2/100 of stress already active. What sets it apart are the readings on structural risk (55/100), construction/permit lag (33/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100).

The expansion-phase market in 08823 posted values that rose 6.0% over the year, and 38% higher over three years (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $109,182, median income runs above typical U.S. levels. The poverty rate is 7.2% — low. Around 58% of adults hold a bachelor's degree or higher. The ZIP holds roughly 3,437 housing units. Population is roughly 8,873 with a median age of 40. 67% of housing is owner-occupied. Around 27% of renters are cost-burdened. The demographic-stress sub-score lands at 21/100. The typical home is worth about $298,800 (2.6× income, relatively affordable). The vacancy rate is 0.0%.

Broadly, 08823 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.