Foreclosures · NJ
New Jersey foreclosures by county
Short answer: New Jersey forecloses through the courts, and the process ends at a sheriff sale, typically 12 to 24 months after the first filing. Filings are recorded in each county's land records office (the recorder, register of deeds or clerk, depending on the county). Below is every New Jersey county, each with its own page on pre-foreclosure filings, the sheriff sale and the owners to reach before it.
Counties covered
21
Each with its own foreclosure page.
Process
Judicial
Ends at a sheriff sale.
After the sale
Redemption after sale
10 days after the sheriff sale.
Every New Jersey county
Largest first, by Census population.
| County | County seat | Population |
|---|---|---|
| Bergen County foreclosures | Hackensack | 956,000 |
| Middlesex County foreclosures | New Brunswick | 863,000 |
| Essex County foreclosures | Newark | 850,000 |
| Hudson County foreclosures | Jersey City | 725,000 |
| Ocean County foreclosures | Toms River | 653,000 |
| Monmouth County foreclosures | Freehold | 644,000 |
| Union County foreclosures | Elizabeth | 575,000 |
| Camden County foreclosures | Camden | 524,000 |
| Passaic County foreclosures | Paterson | 524,000 |
| Morris County foreclosures | Morristown | 514,000 |
| Burlington County foreclosures | Mount Holly | 464,000 |
| Mercer County foreclosures | Trenton | 387,000 |
| Somerset County foreclosures | 357,467 | |
| Gloucester County foreclosures | 311,783 | |
| Atlantic County foreclosures | 279,114 | |
| Cumberland County foreclosures | 155,678 | |
| Sussex County foreclosures | 147,444 | |
| Hunterdon County foreclosures | 131,708 | |
| Warren County foreclosures | 112,031 | |
| Cape May County foreclosures | 93,875 | |
| Salem County foreclosures | 65,874 |
New Jersey foreclosure at a glance
The essentials for finding and working foreclosures. The full process, owner rights and law detail are in the New Jersey foreclosure laws guide.
| Process | Judicial. Every residential foreclosure runs through the courts. |
|---|---|
| The auction | A sheriff sale, conducted by the county sheriff. |
| Typical timeline | 12 to 24 months from first filing to sale, uncontested. |
| Where filings are recorded | In each county's land records office (the recorder, register of deeds or clerk, depending on the county). |
| Redemption | 10 days after the sheriff sale. |
| Deficiency | Restricted by fair market value credits. |
New Jersey foreclosure FAQ
Where are New Jersey foreclosure filings recorded?
The lis pendens is recorded in each county's land records office (the recorder, register of deeds or clerk, depending on the county), and the case itself sits on the docket of the court that hears it. The deed after the sale is recorded in the same place. Each county page below says where to look and what each document shows.
Are New Jersey foreclosure auctions sheriff sales or trustee sales?
Sheriff sales. After the court's judgment, the county sheriff auctions the property. Upcoming sales appear in published notices and often on each sheriff's own sale list, county by county. The notice sets the deposit, the payment deadline and any opening bid.
How do I get a New Jersey pre-foreclosure list?
Counties record the filings but rarely publish them as a list. Pre-foreclosure lists are compiled from those records. LowBaller covers all 21 New Jersey counties: scan any ZIP to see owners in pre-foreclosure and at auction, ranked by how close the sheriff sale is and how much equity they hold.
How long do New Jersey owners have before the sheriff sale?
Typically 12 to 24 months from the first filing, uncontested. One of the slowest foreclosure pipelines in the country, which keeps pre-foreclosure inventories deep. During that time the owner keeps title and can sell, which is why the weeks after a filing are when a private offer matters most.
Can I buy a New Jersey home before the foreclosure auction?
Yes, from the owner directly. Until the sheriff sale the owner holds title, so a sale that pays off the loan stops the foreclosure. You can inspect and run title, which the auction rarely allows, and an owner with equity keeps the difference instead of losing it at the sale.
Keep going
See who is in pre-foreclosure in your New Jersey county today.
Scan your market freeInformational summary, not legal advice. Foreclosure process, timelines, redemption and deficiency rules are summarized at the state level and change by statute and court rule. The published notice of sale controls every date and term. Homeowners facing foreclosure should speak with an attorney or a HUD-approved housing counselor.