Essex County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Essex County, NJ distress report, 2026: 31 ZIPs scored in Essex, NJ, Essex, NJ average 23/100; the top Essex, NJ ZIP is 07003 at 23/100; Essex, NJ market phase expansion, Essex, NJ prices +5.2% year over year.
- Essex, NJ ranks #3,156 nationally (opportunity index); Essex, NJ #18 in New Jersey; Essex, NJ index 21.2.
- Essex, NJ ninety-day mortgage delinquency 1.0% in December 2025; Essex, NJ twelve-month change +0.2%.
- Essex, NJ ZIP phases: 31 expansion.
- Essex, NJ residential listings tracked: 205 across 31 ZIPs; Essex, NJ candidate listings 25.
- Essex, NJ HUD assisted properties: 78 with 7,685 units.
- Essex, NJ lenders on watch: 8; largest Essex, NJ footprint Valley National Bank (17 branches).
- Essex, NJ most distressed ZIP: 07003 at 23/100.
Essex, NJ figures: DLRadar distress index; Essex, NJ inputs: CFPB, FHFA, HUD, FDIC; Essex, NJ rebuilt as sources refresh.
| Rank | Essex, NJ ZIP | Score |
|---|---|---|
| 1 | 07003 | 23/100 |
| 2 | 07004 | 23/100 |
| 3 | 07006 | 23/100 |
| 4 | 07009 | 23/100 |
| 5 | 07017 | 23/100 |
| 6 | 07018 | 23/100 |
| 7 | 07021 | 23/100 |
| 8 | 07028 | 23/100 |
| 9 | 07039 | 23/100 |
| 10 | 07040 | 23/100 |
| 11 | 07041 | 23/100 |
| 12 | 07042 | 23/100 |
Most distressed Essex, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Essex, NJ
1.0% of Essex, NJ mortgages were ninety-plus days late (Essex, NJ, December 2025); Essex, NJ thirty-to-eighty-nine days late: 2.4%; Essex, NJ twelve-month change +0.2%; Essex, NJ peak since 2008: 10.4% (February 2012); New Jersey overall 0.9%. Essex, NJ ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 0.7 (Essex, NJ), Mar 25 0.7, Apr 25 0.8, May 25 0.8 (Essex, NJ), Jun 25 1.1, Jul 25 1.1, Aug 25 1.2 (Essex, NJ), Sep 25 0.9, Oct 25 0.9, Nov 25 0.9 (Essex, NJ), Dec 25 1.0.
Opportunity index: Essex, NJ
Essex, NJ index 21.2, Essex, NJ phase weak; Essex, NJ primary driver bank institutional, Essex, NJ second driver vacancy. Essex, NJ components: property stress 12.0, foreclosure pressure 9.2, listing discounts 17.2, bank stress 61.3, insurance 0.0; Essex, NJ pulse 23.9; Essex, NJ capital opportunity 17.2; Essex, NJ seven-day change +0.2%.
ZIP market phases inside Essex, NJ
31 Essex, NJ ZIPs carry a price-cycle phase; Essex, NJ ZIPs by phase (Essex, NJ), deepest drawdown first: expansion, +5.2% YoY (Essex, NJ): 07003, 07004, 07006, 07009, Essex, NJ 07017, 07018, 07021, 07028, Essex, NJ 07039, 07040, 07041, 07042, Essex, NJ 07043, 07044, 07050, 07052.
Residential listings by Essex, NJ ZIP
Essex, NJ ZIPs with the most tracked Essex, NJ residential listings: 07042 41 listings, 10 candidates, bank pressure 66; 07043 21 listings, 2 candidates, bank pressure 66; 07112 19 listings, 0 candidates, bank pressure 66; 07103 15 listings, 0 candidates, bank pressure 66 (Essex, NJ); 07104 15 listings, 1 candidates, bank pressure 66; 07078 14 listings, 0 candidates, bank pressure 66; 07106 12 listings, 0 candidates, bank pressure 66; 07107 12 listings, 1 candidates, bank pressure 66. Essex, NJ totals: 205 listings; Essex, NJ candidates 25; active ZIPs 26.
HUD assisted housing in Essex, NJ
78 assisted properties with 7,685 units sit in Essex, NJ; largest Essex, NJ properties: Essex Plaza I (Newark) 451 units, 450 assisted; Grace West Manor Apts. (Newark) 429 units, 429 assisted; Georgia King Village (Newark) 422 units, 219 assisted in Essex, NJ; 220 Prospect Holdings (East Orange) 298 units, 119 assisted; Zion Towers (Newark) 268 units; Aspen Riverpark Apts (Newark) 255 units, 255 assisted.
Lenders with branches in Essex, NJ
Essex, NJ lenders by branch count: Valley National Bank (Essex, NJ): stress 60, 17 branches low in Essex, NJ; Provident Bank (Essex, NJ): stress 54, 11 branches low in Essex, NJ; Columbia Bank (Essex, NJ): stress 82, 6 branches low in Essex, NJ; Bcb Community Bank (Essex, NJ): stress 87, 4 branches low in Essex, NJ; Somerset Regal Bank (Essex, NJ): stress 66, 4 branches low in Essex, NJ; Haven Savings Bank (Essex, NJ): stress 93, 2 branches low in Essex, NJ; Ascendia Bank (Essex, NJ): stress 89, 2 branches low in Essex, NJ; Kearny Bank (Essex, NJ): stress 83, 2 branches low in Essex, NJ.
Vacancy and permits, Essex, NJ
17,174 of 336,962 Essex, NJ housing units are vacant; Essex, NJ permits, twelve months: 3,942 multifamily units in Essex, NJ, 725 one-to-four unit units.
Work Essex, NJ at the parcel level
Every Essex, NJ parcel carries owner and address; every Essex, NJ parcel carries APN; Essex, NJ distress scores sit on the Essex, NJ live board.
Essex, NJ figures refresh with each source.
Essex, NJ questions
Most distressed ZIP code in Essex County, NJ?
ZIP 07003 leads Essex, NJ at 23/100; next in Essex, NJ: 07004 at 23/100; the Essex, NJ average is 23/100.
Where does Essex County, NJ rank for investment opportunity?
Essex, NJ is #3,156 among all ranked counties, #18 in New Jersey; the Essex, NJ driver is bank institutional; Essex, NJ moved down 43 places.
How many mortgages are delinquent in Essex County, NJ?
1.0% of Essex, NJ mortgages were ninety-plus days late in December 2025; the Essex, NJ peak since 2008 was 10.4%.
Which banks lend in Essex County, NJ?
8 watched lenders hold Essex, NJ branches; the largest Essex, NJ footprints are Valley National Bank (17), Provident Bank (11), Columbia Bank (6).
More on Essex, NJ
Essex County, NJ distress report: public-record figures for Essex, NJ; not legal advice for Essex, NJ; not tax or investment advice; verify every Essex, NJ record before acting.