ZIP 08873 Property Distress & Foreclosure Data

ZIP code 08873 in Somerset County, New Jersey carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). What sets it apart are the readings on structural risk (55/100), construction/permit lag (33/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Structural exposure scores 55 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 6.0% year on year, and 28% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 2.3%. About 55% have a four-year degree. There are about 22,374 housing units across 08873. Households earn a median $117,866 — above the roughly $78,000 national figure. About 55,862 people live here, median age 40. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 67% owner-occupied to 33% rented. Rent burden reaches 34% of tenant households. A median home runs $465,800 here, or 3.7 times local income. On demographic stress specifically, 08873 scores 26/100.

Overall 08873 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.