ZIP 08865 Property Distress & Foreclosure Data

In Warren County, New Jersey, ZIP 08865 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (45/100), construction/permit lag (26/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100). Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (69/100)). The latent-versus-live split is 45/100 structural and 2/100 already moving.

The expansion-phase market in 08865 posted values that rose 7.1% over the year, and 31% higher over three years (phase confidence 41/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $78,519, median income runs near typical U.S. levels. Around 40% of renters are cost-burdened. The vacancy rate is 4.9%. Population is roughly 31,078 with a median age of 43. The poverty rate is 13.0%. The typical home is worth about $267,200 (3.1× income, relatively affordable). Around 29% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 14,002 housing units. 69% of housing is owner-occupied.

Broadly, 08865 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.