ZIP 07922 Foreclosure, Tax-Lien & Distress Report

ZIP code 07922 in Union County, New Jersey carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 51/100 while live distress already moving reads 2/100. Property-level stress concentrates in structural risk (51/100), institutional ownership (21/100), construction/permit lag (16/100). By contrast, construction/permit lag (16/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (93/100).

The market reads expansion — home values rose 5.2% year on year, and 26% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 4.1%. Rent burden reaches 23% of tenant households. The ZIP holds roughly 4,514 housing units. Owners hold 96% of homes, renters 4%. Around 73% of adults hold a bachelor's degree or higher. At $179,006, median income runs above typical U.S. levels. About 11,971 people live here, median age 48. The poverty rate is 2.2% — low. The typical home is worth about $785,300 (3.9× income, relatively affordable). The demographic-stress sub-score lands at 20/100.

Broadly, 07922 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 07922 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 07922 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. 07922 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 23/100 figure for 07922 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 07922 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.