ZIP 07860 Property Distress & Foreclosure Data

ZIP code 07860 in Sussex County, New Jersey carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (50/100), structural risk (41/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (82/100)). The latent-versus-live split is 41/100 structural and 1/100 already moving.

The expansion-phase market in 07860 posted values that rose 6.1% over the year, and 22% higher over three years (phase confidence 42/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $367,100 (3.2× income, relatively affordable). The ZIP holds roughly 11,390 housing units. At $104,113, median income runs above typical U.S. levels. Around 47% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100. Around 40% of adults hold a bachelor's degree or higher. The poverty rate is 8.6%. Population is roughly 26,521 with a median age of 46. 80% of housing is owner-occupied. The vacancy rate is 9.4%.

Broadly, 07860 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.