ZIP 07481 Foreclosure, Tax-Lien & Distress Report

Bergen County, New Jersey's ZIP 07481 registers 26/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The most distinctive pressure shows up in structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Structural risk reads 59/100 against active distress of 2/100.

The market reads expansion — home values rose 6.0% year on year, and 29% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 6,247 housing units across 07481. Households earn a median $196,632 — above the roughly $78,000 national figure. The tenure split is 91% owner-occupied to 9% rented. Roughly 2.4% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 6.1%. On demographic stress specifically, 07481 scores 27/100. About 16,866 people live here, median age 47. About 67% have a four-year degree. A median home runs $925,700 here, or 4.6 times local income. Rent burden reaches 48% of tenant households.

Net-net, 07481 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.