Passaic County, NJ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Passaic County, NJ distress report, 2026: 33 ZIPs scored in Passaic, NJ, Passaic, NJ average 26/100; the top Passaic, NJ ZIP is 07438 at 27/100; Passaic, NJ market phase expansion, Passaic, NJ prices +5.2% year over year.
- Passaic, NJ ranks #3,193 nationally (opportunity index); Passaic, NJ #21 in New Jersey; Passaic, NJ index 20.3.
- Passaic, NJ ninety-day mortgage delinquency 1.1% in December 2025; Passaic, NJ twelve-month change +0.3%.
- Passaic, NJ ZIP phases: 33 expansion.
- Passaic, NJ residential listings tracked: 18 across 27 ZIPs; Passaic, NJ candidate listings 5.
- Passaic, NJ HUD assisted properties: 26 with 1,823 units.
- Passaic, NJ lenders on watch: 8; largest Passaic, NJ footprint Valley National Bank (17 branches).
- Passaic, NJ most distressed ZIP: 07438 at 27/100.
Passaic, NJ figures: DLRadar distress index; Passaic, NJ inputs: CFPB, FHFA, HUD, FDIC; Passaic, NJ rebuilt as sources refresh.
| Rank | Passaic, NJ ZIP | Score |
|---|---|---|
| 1 | 07438 | 27/100 |
| 2 | 07011 | 26/100 |
| 3 | 07012 | 26/100 |
| 4 | 07013 | 26/100 |
| 5 | 07014 | 26/100 |
| 6 | 07055 | 26/100 |
| 7 | 07403 | 26/100 |
| 8 | 07420 | 26/100 |
| 9 | 07424 | 26/100 |
| 10 | 07435 | 26/100 |
| 11 | 07436 | 26/100 |
| 12 | 07442 | 26/100 |
Most distressed Passaic, NJ ZIPs (0-100, 2026)
Mortgage delinquency in Passaic, NJ
1.1% of Passaic, NJ mortgages were ninety-plus days late (Passaic, NJ, December 2025); Passaic, NJ thirty-to-eighty-nine days late: 1.9%; Passaic, NJ twelve-month change +0.3%; Passaic, NJ peak since 2008: 8.5% (February 2012); New Jersey overall 0.9%. Passaic, NJ ninety-day series: Dec 24 0.8, Jan 25 0.8, Feb 25 0.9 (Passaic, NJ), Mar 25 0.7, Apr 25 0.6, May 25 0.7 (Passaic, NJ), Jun 25 0.8, Jul 25 0.8, Aug 25 0.8 (Passaic, NJ), Sep 25 0.8, Oct 25 0.8, Nov 25 0.8 (Passaic, NJ), Dec 25 1.1.
Opportunity index: Passaic, NJ
Passaic, NJ index 20.3, Passaic, NJ phase weak; Passaic, NJ primary driver bank institutional, Passaic, NJ second driver construction. Passaic, NJ components: property stress 8.0, foreclosure pressure 4.3, listing discounts 12.4, bank stress 60.9, insurance 0.0; Passaic, NJ pulse 24.3; Passaic, NJ capital opportunity 14.4.
ZIP market phases inside Passaic, NJ
33 Passaic, NJ ZIPs carry a price-cycle phase; Passaic, NJ ZIPs by phase (Passaic, NJ), deepest drawdown first: expansion, +5.2% YoY (Passaic, NJ): 07009, 07011, 07012, 07013, Passaic, NJ 07014, 07043, 07055, 07110, Passaic, NJ 07403, 07420, 07421, 07424, Passaic, NJ 07435, 07436, 07438, 07442.
Residential listings by Passaic, NJ ZIP
Passaic, NJ ZIPs with the most tracked Passaic, NJ residential listings: 07055 2 listings, 0 candidates, bank pressure 64; 07501 2 listings, 1 candidates, bank pressure 64; 07508 2 listings, 0 candidates, bank pressure 64; 07522 2 listings, 0 candidates, bank pressure 64 (Passaic, NJ); 07011 1 listings, 1 candidates, bank pressure 64; 07012 1 listings, 0 candidates, bank pressure 64; 07403 1 listings, 0 candidates, bank pressure 64; 07435 1 listings, 0 candidates, bank pressure 64. Passaic, NJ totals: 18 listings; Passaic, NJ candidates 5; active ZIPs 14.
HUD assisted housing in Passaic, NJ
26 assisted properties with 1,823 units sit in Passaic, NJ; largest Passaic, NJ properties: Wayne Senior Citizens (Wayne) 240 units; Colt Arms (Paterson) 206 units, 154 assisted; Evergreen Manor (Clifton) 203 units, 202 assisted in Passaic, NJ; Gov Paterson Tower Iii (Paterson) 200 units; Gov Paterson Towers I (Paterson) 158 units, 63 assisted; Federation Apartments (Paterson) 142 units.
Lenders with branches in Passaic, NJ
Passaic, NJ lenders by branch count: Valley National Bank (Passaic, NJ): stress 60, 17 branches low in Passaic, NJ; Columbia Bank (Passaic, NJ): stress 82, 9 branches low in Passaic, NJ; Provident Bank (Passaic, NJ): stress 54, 9 branches low in Passaic, NJ; Kearny Bank (Passaic, NJ): stress 83, 3 branches low in Passaic, NJ; Spencer Savings Bank Sla (Passaic, NJ): stress 71, 3 branches low in Passaic, NJ; Ascendia Bank (Passaic, NJ): stress 89, 1 branch low in Passaic, NJ; Blue Foundry Bank (Passaic, NJ): stress 72, 1 branch low in Passaic, NJ; Bogota Savings Bank (Passaic, NJ): stress 66, 1 branch low in Passaic, NJ.
Vacancy and permits, Passaic, NJ
6,880 of 185,816 Passaic, NJ housing units are vacant; Passaic, NJ permits, twelve months: 425 multifamily units in Passaic, NJ, 231 one-to-four unit units.
Work Passaic, NJ at the parcel level
Every Passaic, NJ parcel carries owner and address; every Passaic, NJ parcel carries APN; Passaic, NJ distress scores sit on the Passaic, NJ live board.
Passaic, NJ figures refresh with each source.
Passaic, NJ questions
Most distressed ZIP code in Passaic County, NJ?
ZIP 07438 leads Passaic, NJ at 27/100; next in Passaic, NJ: 07011 at 26/100; the Passaic, NJ average is 26/100.
Where does Passaic County, NJ rank for investment opportunity?
Passaic, NJ is #3,193 among all ranked counties, #21 in New Jersey; the Passaic, NJ driver is bank institutional; Passaic, NJ moved down 99 places.
How many mortgages are delinquent in Passaic County, NJ?
1.1% of Passaic, NJ mortgages were ninety-plus days late in December 2025; the Passaic, NJ peak since 2008 was 8.5%.
Which banks lend in Passaic County, NJ?
8 watched lenders hold Passaic, NJ branches; the largest Passaic, NJ footprints are Valley National Bank (17), Columbia Bank (9), Provident Bank (9).
More on Passaic, NJ
Passaic County, NJ distress report: public-record figures for Passaic, NJ; not legal advice for Passaic, NJ; not tax or investment advice; verify every Passaic, NJ record before acting.