ZIP 07446 Property Distress & Foreclosure Data

ZIP code 07446 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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). The latent-versus-live split is 59/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

The expansion-phase market in 07446 posted values that rose 6.0% over the year, and 28% higher over three years (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $697,300 (4.0× income). The ZIP holds roughly 5,455 housing units. At $164,767, median income runs above typical U.S. levels. Population is roughly 14,722 with a median age of 41. The poverty rate is 3.0% — low. Around 69% of adults hold a bachelor's degree or higher. The vacancy rate is 0.4%. The demographic-stress sub-score lands at 24/100. Around 39% of renters are cost-burdened. 84% of housing is owner-occupied.

On balance 07446 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.