Bergen County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bergen County, NJ distress report, 2026: 66 ZIPs scored in Bergen, NJ, Bergen, NJ average 26/100; the top Bergen, NJ ZIP is 07010 at 26/100; Bergen, NJ market phase expansion, Bergen, NJ prices +5.2% year over year.
- Bergen, NJ ranks #3,162 nationally (opportunity index); Bergen, NJ #19 in New Jersey; Bergen, NJ index 21.1.
- Bergen, NJ ninety-day mortgage delinquency 0.7% in December 2025; Bergen, NJ twelve-month change +0.1%.
- Bergen, NJ ZIP phases: 66 expansion.
- Bergen, NJ residential listings tracked: 173 across 60 ZIPs; Bergen, NJ candidate listings 49.
- Bergen, NJ HUD assisted properties: 28 with 1,625 units.
- Bergen, NJ lenders on watch: 8; largest Bergen, NJ footprint Valley National Bank (36 branches).
- Bergen, NJ most distressed ZIP: 07010 at 26/100.
Bergen, NJ figures: DLRadar distress index; Bergen, NJ inputs: CFPB, FHFA, HUD, FDIC; Bergen, NJ rebuilt as sources refresh.
| Rank | Bergen, NJ ZIP | Score |
|---|---|---|
| 1 | 07010 | 26/100 |
| 2 | 07020 | 26/100 |
| 3 | 07022 | 26/100 |
| 4 | 07024 | 26/100 |
| 5 | 07026 | 26/100 |
| 6 | 07031 | 26/100 |
| 7 | 07057 | 26/100 |
| 8 | 07070 | 26/100 |
| 9 | 07071 | 26/100 |
| 10 | 07072 | 26/100 |
| 11 | 07073 | 26/100 |
| 12 | 07074 | 26/100 |
Most distressed Bergen, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Bergen, NJ
0.7% of Bergen, NJ mortgages were ninety-plus days late (Bergen, NJ, December 2025); Bergen, NJ thirty-to-eighty-nine days late: 1.4%; Bergen, NJ twelve-month change +0.1%; Bergen, NJ peak since 2008: 5.1% (May 2012); New Jersey overall 0.9%. Bergen, NJ ninety-day series: Dec 24 0.6, Jan 25 0.5, Feb 25 0.5 (Bergen, NJ), Mar 25 0.5, Apr 25 0.5, May 25 0.5 (Bergen, NJ), Jun 25 0.5, Jul 25 0.5, Aug 25 0.4 (Bergen, NJ), Sep 25 0.5, Oct 25 0.6, Nov 25 0.6 (Bergen, NJ), Dec 25 0.7.
Opportunity index: Bergen, NJ
Bergen, NJ index 21.1, Bergen, NJ phase weak; Bergen, NJ primary driver bank institutional, Bergen, NJ second driver construction. Bergen, NJ components: property stress 9.0, foreclosure pressure 6.2, listing discounts 15.2, bank stress 59.9, insurance 0.0; Bergen, NJ pulse 24.5; Bergen, NJ capital opportunity 16.0; Bergen, NJ seven-day change +0.1%.
ZIP market phases inside Bergen, NJ
66 Bergen, NJ ZIPs carry a price-cycle phase; Bergen, NJ ZIPs by phase (Bergen, NJ), deepest drawdown first: expansion, +5.2% YoY (Bergen, NJ): 07010, 07020, 07022, 07024, Bergen, NJ 07026, 07031, 07057, 07070, Bergen, NJ 07071, 07072, 07073, 07074, Bergen, NJ 07075, 07401, 07407, 07410.
Residential listings by Bergen, NJ ZIP
Bergen, NJ ZIPs with the most tracked Bergen, NJ residential listings: 07024 82 listings, 33 candidates, bank pressure 64; 07450 48 listings, 0 candidates, bank pressure 64; 07631 4 listings, 1 candidates, bank pressure 64; 07407 3 listings, 2 candidates, bank pressure 64 (Bergen, NJ); 07423 3 listings, 2 candidates, bank pressure 64; 07020 2 listings, 0 candidates, bank pressure 64; 07070 2 listings, 1 candidates, bank pressure 64; 07417 2 listings, 1 candidates, bank pressure 64. Bergen, NJ totals: 173 listings; Bergen, NJ candidates 49; active ZIPs 31.
HUD assisted housing in Bergen, NJ
28 assisted properties with 1,625 units sit in Bergen, NJ; largest Bergen, NJ properties: Greater Englewood (Englewood) 270 units; Malcolm Towers (Fort Lee) 226 units, 225 assisted; Westwood Senior Housing T/A Westwood House (Westwood) 183 units, 182 assisted in Bergen, NJ; Lydecker Manor (Maywood) 136 units, 135 assisted; Ridgecrest (Ridgewood) 130 units, 129 assisted; Hillsdale House (Hillsdale) 100 units, 99 assisted.
Lenders with branches in Bergen, NJ
Bergen, NJ lenders by branch count: Valley National Bank (Bergen, NJ): stress 60, 36 branches low in Bergen, NJ; Columbia Bank (Bergen, NJ): stress 82, 21 branches low in Bergen, NJ; Spencer Savings Bank Sla (Bergen, NJ): stress 71, 16 branches low in Bergen, NJ; Provident Bank (Bergen, NJ): stress 54, 14 branches low in Bergen, NJ; Blue Foundry Bank (Bergen, NJ): stress 72, 11 branches low in Bergen, NJ; Kearny Bank (Bergen, NJ): stress 83, 9 branches low in Bergen, NJ; Connectone Bank (Bergen, NJ): stress 58, 6 branches low in Bergen, NJ; Bogota Savings Bank (Bergen, NJ): stress 66, 5 branches low in Bergen, NJ.
Vacancy and permits, Bergen, NJ
14,486 of 369,613 Bergen, NJ housing units are vacant; Bergen, NJ permits, twelve months: 2,115 multifamily units in Bergen, NJ, 1,703 one-to-four unit units.
Work Bergen, NJ at the parcel level
Every Bergen, NJ parcel carries owner and address; every Bergen, NJ parcel carries APN; Bergen, NJ distress scores sit on the Bergen, NJ live board.
Bergen, NJ figures refresh with each source.
Bergen, NJ questions
Most distressed ZIP code in Bergen County, NJ?
ZIP 07010 leads Bergen, NJ at 26/100; next in Bergen, NJ: 07020 at 26/100; the Bergen, NJ average is 26/100.
Where does Bergen County, NJ rank for investment opportunity?
Bergen, NJ is #3,162 among all ranked counties, #19 in New Jersey; the Bergen, NJ driver is bank institutional; Bergen, NJ moved down 88 places.
How many mortgages are delinquent in Bergen County, NJ?
0.7% of Bergen, NJ mortgages were ninety-plus days late in December 2025; the Bergen, NJ peak since 2008 was 5.1%.
Which banks lend in Bergen County, NJ?
8 watched lenders hold Bergen, NJ branches; the largest Bergen, NJ footprints are Valley National Bank (36), Columbia Bank (21), Spencer Savings Bank Sla (16).
More on Bergen, NJ
Bergen County, NJ distress report: public-record figures for Bergen, NJ; not legal advice for Bergen, NJ; not tax or investment advice; verify every Bergen, NJ record before acting.