ZIP 07863 Property Distress & Foreclosure Data

Composite property distress in 07863 (Warren County, New Jersey) lands at 20/100 — low on DLRadar's public-record scoring. Structural risk reads 45/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (69/100)). The sharpest non-environmental signals are structural risk (45/100), construction/permit lag (26/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100).

The expansion-phase market in 07863 posted values that rose 7.1% over the year, and 34% higher over three years, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $294,000 (2.7× income, relatively affordable). At $101,417, median income runs above typical U.S. levels. 89% of housing is owner-occupied. The poverty rate is 6.0% — low. Population is roughly 4,097 with a median age of 49. Vacancy runs 1.1%. The demographic-stress sub-score lands at 23/100. There are about 1,592 housing units across 07863. Around 29% of adults hold a bachelor's degree or higher. Rent burden reaches 29% of tenant households.

Broadly, 07863 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.