ZIP 07946 Property Distress & Foreclosure Data

ZIP code 07946 in Morris County, New Jersey carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). What sets it apart are the readings on construction/permit lag (75/100), structural risk (63/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. Structural exposure scores 63 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 6.0% year on year, and 32% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 94% owner-occupied to 6% rented. A median home runs $801,700 here, or 3.5 times local income. There are about 984 housing units across 07946. Households earn a median $213,393 — above the roughly $78,000 national figure. About 3,098 people live here, median age 45. Roughly 3.1% live below the poverty line, a low share typical of higher-equity areas. About 61% have a four-year degree. Rent burden reaches 22% of tenant households. Vacancy runs 3.4%. On demographic stress specifically, 07946 scores 21/100.

Net-net, 07946 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.