ZIP 07645 Property Distress & Foreclosure Data

In Bergen County, New Jersey, ZIP 07645 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 59 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Its standout signals are structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 24% higher over three years, at 43/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

8,625 residents call 07645 home, typically aged 41. 3.8% of residents fall below the poverty threshold. Home values center near $709,700, an affordability ratio of 3.8× — accessible. Educational attainment sits at 57% bachelor's-or-above. Owners hold 84% of homes, renters 16%. Vacancy runs 3.2%. Rent burden reaches 59% of tenant households. Median household income is $183,664, above the U.S. median near $78,000. There are about 3,290 housing units across 07645. DLRadar's demographic-stress index for the area reads 28/100.

Overall, 07645 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.