ZIP 07442 Foreclosure, Tax-Lien & Distress Report

Passaic County, New Jersey's ZIP 07442 registers 26/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (58/100), construction/permit lag (49/100), 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). Structurally it carries 58/100, against 2/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 26% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $442,400 (3.5× income, relatively affordable). The tenure split is 80% owner-occupied to 20% rented. Households earn a median $119,038 — above the roughly $78,000 national figure. Around 25% of renters are cost-burdened. The vacancy rate is 2.2%. About 41% have a four-year degree. Roughly 9.7% live below the poverty line. On demographic stress specifically, 07442 scores 25/100. There are about 4,317 housing units across 07442. Population is roughly 11,010 with a median age of 39.

Net-net, 07442 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 07442 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 07442 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07442 can be compared directly against any other ZIP in Passaic County, New Jersey or nationwide. 07442 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 figure for 07442 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 07442 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.