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ZIP 08880 Foreclosure, Tax-Lien & Distress Report

Somerset County, New Jersey · Distress market

On DLRadar's 0-100 public-record scale, ZIP 08880 in Somerset County, New Jersey comes in at 28, a low composite-distress reading. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). Its heaviest discrete signals: construction/permit lag (76/100), structural risk (65/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. The split runs 65/100 structural to 2/100 active on the ground.

The market reads expansion — home values rose 5.2% year on year, and 27% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $359,000 (3.4× income, relatively affordable). 57% of housing is owner-occupied. Population is roughly 4,833 with a median age of 35. The ZIP holds roughly 1,850 housing units. The vacancy rate is 2.2%. Around 67% of renters are cost-burdened. The demographic-stress sub-score lands at 36/100. Median household income is $102,019, above the U.S. median near $78,000. Around 24% of adults hold a bachelor's degree or higher. The poverty rate is 16.4% — high, a tax-stress and distress correlate.

On balance 08880 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 08880 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 08880 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08880 can be compared directly against any other ZIP in Somerset County, New Jersey or nationwide. Sparse data for 08880 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 08880 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. In workflow terms, 08880 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.

28/100
Composite stress
65/100
Structural risk
2/100
Distress activity

Signal-by-signal read on 08880

Foreclosure activity0
Mortgage stress8
Climate / FEMA risk93
+9 more distress dimensions scored for this ZIP

Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.

08880 at a glance

The live 08880 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.

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