ZIP 07646 Property Distress & Foreclosure Data

DLRadar grades ZIP 07646 (Bergen County, New Jersey) at a low 26/100 for overall property distress. Property-level stress concentrates in 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. 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.

The market reads expansion — home values rose 6.0% year on year, and 26% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $113,513 — above the roughly $78,000 national figure. Roughly 4.6% live below the poverty line, a low share typical of higher-equity areas. About 16,882 people live here, median age 40. The tenure split is 63% owner-occupied to 37% rented. Around 42% of renters are cost-burdened. About 48% have a four-year degree. On demographic stress specifically, 07646 scores 32/100. The vacancy rate is 4.2%. A median home runs $580,400 here, or 4.9 times local income. The ZIP holds roughly 6,376 housing units.

Net-net, 07646 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.