ZIP 07631 Property Distress & Foreclosure Data

In Bergen County, New Jersey, ZIP 07631 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). On the structural side it scores 59/100, with 2/100 of stress already active. 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 29% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 6.5%. Roughly 9.8% live below the poverty line. About 29,342 people live here, median age 43. About 46% have a four-year degree. Around 50% of renters are cost-burdened. The tenure split is 53% owner-occupied to 47% rented. Households earn a median $101,398 — above the roughly $78,000 national figure. On demographic stress specifically, 07631 scores 36/100. The ZIP holds roughly 11,898 housing units. A median home runs $544,100 here, or 4.9 times local income.

Net-net, 07631 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.