ZIP 07028 Foreclosure, Tax-Lien & Distress Report

Essex County, New Jersey's ZIP 07028 registers 23/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (51/100), institutional ownership (20/100), construction/permit lag (18/100). construction/permit lag (18/100) and mortgage stress (8/100) stay muted. The split runs 51/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (88/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 30% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $833,600, an affordability ratio of 2.9× — accessible. 1.0% of residents fall below the poverty threshold. Median household income is $246,500, above the U.S. median near $78,000. About 8,002 people live here, median age 41. The demographic-stress sub-score lands at 18/100. Educational attainment sits at 83% bachelor's-or-above. The vacancy rate is 2.5%. Owners hold 93% of homes, renters 7%. Rent burden reaches 32% of tenant households. The ZIP holds roughly 2,612 housing units.

Broadly, 07028 is a steadier market — the deals are the exceptions, not the rule. 07028 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 07028 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 07028 shows blanks, not estimates, wherever the record is sparse.

The 23/100 figure for 07028 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 07028 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.