ZIP 07022 Property Distress & Foreclosure Data

ZIP code 07022 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). On the structural side it scores 59/100, with 2/100 of stress already active.

The market reads expansion — home values rose 6.0% year on year, and 15% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 5,566 housing units. On demographic stress specifically, 07022 scores 50/100. Households earn a median $64,152 — below the roughly $78,000 national figure. A median home runs $511,400 here, or 8.0 times local income. About 24% have a four-year degree. The tenure split is 35% owner-occupied to 65% rented. Around 47% of renters are cost-burdened. The vacancy rate is 2.5%. Roughly 17.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 14,920 people live here, median age 39.

Net-net, 07022 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.