ZIP 08876 Property Distress & Foreclosure Data

Composite property distress in 08876 (Somerset County, New Jersey) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (53/100), construction/permit lag (31/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. The latent-versus-live split is 53/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (91/100).

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.

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. On demographic stress specifically, 08876 scores 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. Households earn a median $120,823 — above the roughly $78,000 national figure. A median home runs $485,100 here, or 3.9 times local income.

Overall 08876 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.