ZIP 07641 Property Distress & Foreclosure Data

DLRadar grades ZIP 07641 (Bergen County, New Jersey) at a low 26/100 for overall property distress. Structural exposure scores 59 and live distress 2 on the 0–100 scale. Property-level stress concentrates in structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

The expansion-phase market in 07641 posted values that rose 6.0% over the year, and 63% higher over three years, at 43/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 11.2%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 3.7% — low. Population is roughly 3,321 with a median age of 45. There are about 1,165 housing units across 07641. 95% of housing is owner-occupied. At $227,841, median income runs above typical U.S. levels. The typical home is worth about $845,300 (3.6× income, relatively affordable). The demographic-stress sub-score lands at 24/100. Around 70% of adults hold a bachelor's degree or higher. Rent burden reaches 40% of tenant households.

On balance 07641 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.