ZIP 07031 Property Distress & Foreclosure Data

ZIP code 07031 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. The latent-versus-live split is 59/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100).

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.

Households earn a median $101,493 — above the roughly $78,000 national figure. The vacancy rate is 4.9%. Around 27% of renters are cost-burdened. About 16,368 people live here, median age 40. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. About 39% have a four-year degree. A median home runs $474,500 here, or 4.6 times local income. The ZIP holds roughly 6,900 housing units. On demographic stress specifically, 07031 scores 31/100. The tenure split is 46% owner-occupied to 54% rented.

Net-net, 07031 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.