ZIP 07055 Property Distress & Foreclosure Data

In Passaic County, New Jersey, ZIP 07055 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (80/100), structural risk (66/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (90/100). On the structural side it scores 66/100, with 2/100 of stress already active.

The market reads expansion — home values rose 6.0% year on year, and 25% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $56,780 — below the roughly $78,000 national figure. Around 48% of renters are cost-burdened. Roughly 23.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $429,900 here, or 7.2 times local income. On demographic stress specifically, 07055 scores 51/100. About 17% have a four-year degree. About 69,651 people live here, median age 31. The vacancy rate is 2.8%. The ZIP holds roughly 21,693 housing units. The tenure split is 23% owner-occupied to 77% rented.

Net-net, 07055 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.