Bergen County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bergen County, New Jersey? DLRadar grades every Bergen County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Bergen County breakdown.
- Bergen County's most distressed ZIP is 07010 at 25/100.
- 66 ZIP codes tracked in Bergen County, averaging 25/100 distress.
- Bergen County reads expansion — home values up 5.2% year over year.
- Vacancy runs 4% across Bergen County's tracked ZIPs, with a 6.6% poverty rate.
- The typical Bergen County home is worth about $694,174 against a ~$133,674 median income.
- Lending headwind in Bergen County sits at 58/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 07010 | 25/100 |
| 2 | 07020 | 25/100 |
| 3 | 07022 | 25/100 |
| 4 | 07024 | 25/100 |
| 5 | 07026 | 25/100 |
| 6 | 07031 | 25/100 |
| 7 | 07057 | 25/100 |
| 8 | 07070 | 25/100 |
| 9 | 07071 | 25/100 |
| 10 | 07072 | 25/100 |
| 11 | 07073 | 25/100 |
| 12 | 07074 | 25/100 |
Most distressed ZIP codes in Bergen County (composite distress 0-100, 2026)
What is driving Bergen County distress
Bergen County's placement in the national index rests on public filings — a 25/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Bergen County market phase and pricing
The cycle in Bergen County is expansion, with values up 5.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked questions
Where is distress highest inside Bergen County, NJ?
ZIP 07010 leads Bergen County at 25/100, recomputed monthly from public records.
How would you describe the Bergen County market phase?
Bergen County is classified expansion with a 5.2% year-over-year increase, following the FHFA House Price Index.
Where does the Bergen County data come from?
Every Bergen County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 66 Bergen County ZIP codes that it runs on every other U.S. county, so Bergen County's numbers are directly comparable to any other market.
How much do distress scores vary between Bergen County ZIP codes?
One county number flattens a wide range. Across the Bergen County ZIPs DLRadar ranks, scores run from 25/100 in 07010 down to 25/100 in 07074, against a Bergen County average of 25/100. The 0-point range is the argument for ZIP-level search across Bergen County.
What do Bergen County home values and vacancy say about distressed supply?
The typical Bergen County home carries about $694,174 of value against a median household income near $133,674. Vacancy across Bergen County's tracked ZIPs runs 4% and the poverty rate is 6.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Bergen County's foreclosure and tax-lien filings and its 58/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.