ZIP 07604 Property Distress & Foreclosure Data

In Bergen County, New Jersey, ZIP 07604 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The latent-versus-live split is 59/100 structural and 2/100 already moving. Its standout signals are 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.

The market reads expansion — home values rose 6.0% year on year, and 23% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $118,670 — above the roughly $78,000 national figure. The ZIP holds roughly 4,597 housing units. A median home runs $552,900 here, or 4.3 times local income. About 42% have a four-year degree. The vacancy rate is 4.0%. The tenure split is 70% owner-occupied to 30% rented. Roughly 9.4% live below the poverty line. On demographic stress specifically, 07604 scores 33/100. Around 52% of renters are cost-burdened. About 12,067 people live here, median age 44.

Net-net, 07604 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.