ZIP 07204 Property Distress & Foreclosure Data

DLRadar grades ZIP 07204 (Union County, New Jersey) at a low 28/100 for overall property distress. Property-level stress concentrates in construction/permit lag (65/100), structural risk (63/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 63/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (93/100).

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 29% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 5,522 housing units. 5.1% of residents fall below the poverty threshold. The vacancy rate is 2.5%. Around 29% of renters are cost-burdened. Median household income is $104,418, above the U.S. median near $78,000. 13,965 residents call 07204 home, typically aged 39. Educational attainment sits at 39% bachelor's-or-above. Owners hold 60% of homes, renters 40%. DLRadar's demographic-stress index for the area reads 28/100. Home values center near $443,200, an affordability ratio of 3.9× — accessible.

Overall, 07204 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.