ZIP 07028 Foreclosure, Tax-Lien & Distress Report

In Essex County, New Jersey, ZIP 07028 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (55/100), construction/permit lag (35/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low. The latent-versus-live split is 55/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (89/100).

The market reads expansion — home values rose 6.0% year on year, and 30% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $833,600 here, or 2.9 times local income. Roughly 1.0% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $246,500 — above the roughly $78,000 national figure. About 8,002 people live here, median age 41. On demographic stress specifically, 07028 scores 18/100. About 83% have a four-year degree. The vacancy rate is 2.5%. The tenure split is 93% owner-occupied to 7% rented. Around 32% of renters are cost-burdened. The ZIP holds roughly 2,612 housing units.

Net-net, 07028 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.