ZIP 08869 Property Distress & Foreclosure Data

ZIP code 08869 in Somerset County, New Jersey carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (55/100), construction/permit lag (33/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 55/100 structural and 2/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (93/100).

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 30% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $103,699, above the U.S. median near $78,000. Home values center near $456,900, an affordability ratio of 4.3×. Owners hold 53% of homes, renters 47%. DLRadar's demographic-stress index for the area reads 31/100. 7.0% of residents fall below the poverty threshold. The vacancy rate is 1.5%. Educational attainment sits at 40% bachelor's-or-above. 8,192 residents call 08869 home, typically aged 43. Around 32% of renters are cost-burdened. The ZIP holds roughly 3,349 housing units.

On balance, 08869 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.