ZIP 08876 Foreclosure, Tax-Lien & Distress Report

ZIP code 08876 in Somerset County, New Jersey carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (74/100), structural risk (64/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Latent structural risk is 64/100 while live distress already moving reads 2/100. Environmental exposure also runs high (flood (NFIP) exposure (94/100), climate & FEMA risk (91/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 30% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 30% of renters are cost-burdened. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 10,090 housing units. About 22,902 people live here, median age 40. The demographic-stress sub-score lands at 26/100. About 56% have a four-year degree. The vacancy rate is 1.8%. The tenure split is 63% owner-occupied to 37% rented. Median household income is $120,823, above the U.S. median near $78,000. Home values center near $485,100, an affordability ratio of 3.9× — accessible.

On balance 08876 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 08876 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 08876's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 08876 reflects the current record instead of a stale or modeled snapshot.

08876's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 08876 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.