ZIP 07438 Property Distress & Foreclosure Data

In Morris County, New Jersey, ZIP 07438 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 63/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (85/100). Its standout signals are construction/permit lag (75/100), structural risk (63/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 27% higher over three years, at 43/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

11,045 residents call 07438 home, typically aged 46. Median household income is $119,594, above the U.S. median near $78,000. Owners hold 89% of homes, renters 11%. DLRadar's demographic-stress index for the area reads 26/100. There are about 4,509 housing units across 07438. Educational attainment sits at 43% bachelor's-or-above. Vacancy runs 4.1%. 6.6% of residents fall below the poverty threshold. Home values center near $436,900, an affordability ratio of 3.5× — accessible. Rent burden reaches 42% of tenant households.

Overall, 07438 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.