Amador County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Amador County, California? DLRadar grades every Amador County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Amador County breakdown.
- Amador County's most distressed ZIP is 95601 at 19/100.
- 12 ZIP codes tracked in Amador County, averaging 18/100 distress.
- Amador County reads contraction — home values down 0.3% year over year.
- Vacancy runs 22.6% across Amador County's tracked ZIPs, with a 10% poverty rate.
- The typical Amador County home is worth about $528,500 against a ~$85,046 median income.
- Lending headwind in Amador County sits at 47/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95601 | 19/100 |
| 2 | 95629 | 19/100 |
| 3 | 95640 | 19/100 |
| 4 | 95642 | 19/100 |
| 5 | 95665 | 19/100 |
| 6 | 95666 | 19/100 |
| 7 | 95669 | 19/100 |
| 8 | 95675 | 19/100 |
| 9 | 95685 | 19/100 |
| 10 | 95689 | 19/100 |
| 11 | 95699 | 19/100 |
| 12 | 95646 | 8/100 |
Most distressed ZIP codes in Amador County (composite distress 0-100, 2026)
What is driving Amador County distress
Nothing here is estimated: Amador County is scored from filings alone, and its ZIPs average 18/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Amador County market phase and pricing
Amador County reads contraction — home prices fell 0.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Frequently asked
Which ZIP code leads Amador County on distress?
ZIP 95601 leads Amador County at 19/100, recomputed monthly from public records.
What market phase is Amador County in?
Amador County is classified contraction with a 0.3% year-over-year drop, following the FHFA House Price Index.
Where does the Amador County data come from?
Each Amador County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 12 local ZIPs and every other county in the country.
How much do distress scores vary between Amador County ZIP codes?
A county average hides the spread. Across the Amador County ZIPs DLRadar ranks, scores run from 19/100 in 95601 down to 8/100 in 95646, against a Amador County average of 18/100. Those 11 points separate the ZIPs worth working in Amador County from the rest.
What do Amador County home values and vacancy say about distressed supply?
The typical Amador County home carries about $528,500 of value against a median household income near $85,046. Vacancy across Amador County's tracked ZIPs runs 22.6% and the poverty rate is 10%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Amador County's filings and its 47/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.