ZIP 07640 Property Distress & Foreclosure Data

In Bergen County, New Jersey, ZIP 07640 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 33% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 4.4%. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 96% owner-occupied to 4% rented. About 69% have a four-year degree. Around 47% of renters are cost-burdened. A median home runs $776,900 here, or 3.9 times local income. Households earn a median $180,515 — above the roughly $78,000 national figure. The ZIP holds roughly 1,818 housing units. On demographic stress specifically, 07640 scores 25/100. About 4,883 people live here, median age 47.

Net-net, 07640 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.