ZIP 07103 Property Distress & Foreclosure Data

ZIP code 07103 in Essex County, New Jersey carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. On the structural side it scores 55/100, with 2/100 of stress already active. 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 (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 31.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 53% of renters are cost-burdened. The ZIP holds roughly 13,949 housing units. About 21% have a four-year degree. The tenure split is 23% owner-occupied to 77% rented. The vacancy rate is 7.0%. On demographic stress specifically, 07103 scores 50/100. A median home runs $318,800 here, or 6.1 times local income. Households earn a median $42,397 — below the roughly $78,000 national figure. About 36,733 people live here, median age 32.

Net-net, 07103 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.