ZIP 07630 Property Distress & Foreclosure Data

ZIP code 07630 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). What sets it apart are the readings on structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. Structural exposure scores 59 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 28% higher over three years, at 43/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 0.0%. 2.6% of residents fall below the poverty threshold. Home values center near $645,200, an affordability ratio of 4.1×. Owners hold 89% of homes, renters 11%. DLRadar's demographic-stress index for the area reads 26/100. Median household income is $153,963, above the U.S. median near $78,000. 7,263 residents call 07630 home, typically aged 48. There are about 2,636 housing units across 07630. Rent burden reaches 44% of tenant households. Educational attainment sits at 55% bachelor's-or-above.

Overall, 07630 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.