ZIP 08861 Property Distress & Foreclosure Data

DLRadar grades ZIP 08861 (Middlesex County, New Jersey) at a low 29/100 for overall property distress. Property-level stress concentrates in construction/permit lag (76/100), structural risk (67/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (95/100). The latent-versus-live split is 67/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.0% year on year, and 30% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $370,900 here, or 5.6 times local income. Roughly 19.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 08861 scores 45/100. Around 54% of renters are cost-burdened. The tenure split is 35% owner-occupied to 65% rented. The ZIP holds roughly 21,166 housing units. Households earn a median $60,464 — below the roughly $78,000 national figure. About 58,264 people live here, median age 37. About 16% have a four-year degree. The vacancy rate is 3.2%.

Net-net, 08861 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.