ZIP 07838 Property Distress & Foreclosure Data

ZIP code 07838 in Warren County, New Jersey carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (69/100). What sets it apart are the readings on structural risk (45/100), construction/permit lag (26/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. Structural risk reads 45/100 against active distress of 2/100.

The market reads expansion — home values rose 7.1% year on year, and 31% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 9.2%. Rent burden reaches 61% of tenant households. There are about 1,479 housing units across 07838. On demographic stress specifically, 07838 scores 29/100. The tenure split is 88% owner-occupied to 12% rented. Households earn a median $121,563 — above the roughly $78,000 national figure. A median home runs $440,100 here, or 3.4 times local income. About 43% have a four-year degree. About 3,495 people live here, median age 42. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas.

Overall 07838 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.