Bergen County, NJ: Foreclosures, Tax Liens & Distressed Properties
Bergen County, NJ, New Jersey: 66 ZIP codes scored, Bergen County, NJ averaging 26/100 (low, Bergen, NJ). Bergen County, NJ is in its expansion phase (Bergen, NJ confidence 35/100): Bergen, NJ home prices up 5.2% (Bergen, NJ) over twelve months. Bergen County, NJ lender headwind: 58/100.
Highest-scoring Bergen County, NJ ZIPs: 07010 (26/100), 07020 (26/100), 07022 (26/100), 07024 (26/100), 07026 (26/100), 07031 (26/100). Also scored in Bergen County, NJ: 07057, 07070, 07071, 07072, 07073, 07074, 07075, 07401, 07407, 07410.
Across Bergen County, NJ's scored ZIPs: median home value $694,174, household income $133,674, 4.0% vacancy, 6.6% poverty, 70% owner-occupied, median age 42.8.
Bergen County, NJ insurance distress 32/100 (#1,510 in the US); FEMA hazard 0/100 for Bergen, NJ; 177 Bergen, NJ NFIP flood claims, $6.6M paid; Bergen, NJ construction distress 40/100.
45 banks with 346 branches lend in Bergen County, NJ; Bergen, NJ weighted bank stress 65/100, highest 94/100 in Bergen, NJ.
Bergen County, NJ unemployment 4.0% (Bergen, NJ -0.4 pts, six months); 3,818 new housing units permitted in Bergen County, NJ over twelve months, Bergen, NJ up 10% from 3,472; Bergen, NJ home prices +9.7% a year (Bergen, NJ) over three years.
369,613 housing units in Bergen County, NJ; 122,384 Bergen, NJ renter households; 47% of Bergen, NJ renters spend 30%+ of income on rent, 25% (Bergen, NJ) half or more.
Bergen County, NJ ranks #3,162 nationally on the opportunity index (Bergen, NJ, among all ranked counties); Bergen, NJ scores 21.1/100 and Bergen, NJ sits #19 inside New Jersey. Bergen, NJ is in the weak opportunity phase; Bergen, NJ's primary driver is bank institutional, Bergen, NJ second driver construction; Bergen, NJ moved down 88 places. 63 short-sale listings across Bergen, NJ; 65 days on market observed in Bergen, NJ; 4.0% vacancy over 66 Bergen, NJ ZIPs.
0.7% of Bergen County, NJ mortgages were ninety-plus days late in December 2025; Bergen, NJ's thirty-to-eighty-nine-day share was 1.4% (CFPB county sample). Bergen, NJ's ninety-day rate is up 0.1 points on twelve months earlier; the Bergen, NJ peak since 2008 was 5.1% in May 2012; New Jersey overall reads 0.9%.
Bergen County, NJ has 20 watched banks; 20 Bergen, NJ banks sit in an elevated band. Bergen, NJ footprints: Valley National Bank (36 branches, stress 60) in Bergen, NJ; Columbia Bank (21 branches, stress 82) in Bergen, NJ; Spencer Savings Bank Sla (16 branches, stress 71) in Bergen, NJ.
HUD lists 28 assisted multifamily properties in Bergen County, NJ with 1,625 units; 1,330 Bergen, NJ units are assisted, 11 Bergen, NJ properties under project-based Section 8.
14,486 of the 369,613 housing units in Bergen, NJ sit vacant. Bergen County, NJ permitted 2,115 multifamily units in twelve months; Bergen, NJ's one-to-four unit structures added 1,703 units in Bergen County, NJ.