ZIP 07628 Property Distress & Foreclosure Data

DLRadar grades ZIP 07628 (Bergen County, New Jersey) at a low 26/100 for overall property distress. Property-level stress concentrates 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. On the structural side it scores 59/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100).

The market reads expansion — home values rose 6.0% year on year, and 27% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 72% owner-occupied to 28% rented. The vacancy rate is 4.3%. About 47% have a four-year degree. Around 39% of renters are cost-burdened. The ZIP holds roughly 6,768 housing units. Households earn a median $125,585 — above the roughly $78,000 national figure. A median home runs $497,400 here, or 3.7 times local income. On demographic stress specifically, 07628 scores 28/100. About 18,072 people live here, median age 42.

Net-net, 07628 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.