ZIP 07074 Property Distress & Foreclosure Data

DLRadar grades ZIP 07074 (Bergen County, New Jersey) at a low 26/100 for overall property distress. Structural risk reads 59/100 against active distress of 2/100. Property-level stress concentrates in structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

The expansion-phase market in 07074 posted values that rose 6.0% over the year, and 35% higher over three years, at 43/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 3,106 with a median age of 38. The typical home is worth about $445,800 (4.2× income). Vacancy runs 4.9%. The poverty rate is 4.0% — low. 69% of housing is owner-occupied. At $108,359, median income runs above typical U.S. levels. Rent burden reaches 30% of tenant households. The demographic-stress sub-score lands at 30/100. There are about 1,124 housing units across 07074. Around 27% of adults hold a bachelor's degree or higher.

On balance 07074 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.