ZIP 07601 Foreclosure, Tax-Lien & Distress Report

In Bergen County, New Jersey, ZIP 07601 scores 26 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The sharpest non-environmental signals are structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. 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 30% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $393,700 (4.5× income). Around 41% of renters are cost-burdened. About 45,768 people live here, median age 42. Owners hold 38% of homes, renters 62%. The ZIP holds roughly 21,361 housing units. The poverty rate is 11.3%. About 42% have a four-year degree. On demographic stress specifically, 07601 scores 35/100. Vacancy runs 5.1%. Households earn a median $82,212 — near the roughly $78,000 national figure.

Net-net, 07601 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 07601 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 07601 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 07601, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 07601 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. Practically, 07601 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.