Butte County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Butte County, CA distress report, 2026: 21 ZIPs scored in Butte, CA, Butte, CA average 32/100; the top Butte, CA ZIP is 95916 at 33/100; Butte, CA market phase contraction, Butte, CA prices -2.4% year over year.
- Butte, CA ranks #1,116 nationally (opportunity index); Butte, CA #10 in California; Butte, CA index 30.8.
- Butte, CA ninety-day mortgage delinquency 1.0% in December 2025; Butte, CA twelve-month change +0.1%.
- Butte, CA ZIP phases: 20 contraction, 1 peak.
- Butte, CA residential listings tracked: 74 across 20 ZIPs; Butte, CA candidate listings 41.
- Butte, CA HUD assisted properties: 8 with 488 units.
- Butte, CA lenders on watch: 5; largest Butte, CA footprint Tri Counties Bank (9 branches).
- Butte, CA most distressed ZIP: 95916 at 33/100.
Butte, CA figures: DLRadar distress index; Butte, CA inputs: CFPB, FHFA, HUD, FDIC; Butte, CA rebuilt as sources refresh.
| Rank | Butte, CA ZIP | Score |
|---|---|---|
| 1 | 95916 | 33/100 |
| 2 | 95917 | 33/100 |
| 3 | 95926 | 33/100 |
| 4 | 95928 | 33/100 |
| 5 | 95929 | 33/100 |
| 6 | 95938 | 33/100 |
| 7 | 95942 | 33/100 |
| 8 | 95948 | 33/100 |
| 9 | 95954 | 33/100 |
| 10 | 95958 | 33/100 |
| 11 | 95965 | 33/100 |
| 12 | 95966 | 33/100 |
Most distressed Butte, CA ZIPs (0-100, 2026)
Mortgage delinquency in Butte, CA
1.0% of Butte, CA mortgages were ninety-plus days late (Butte, CA, December 2025); Butte, CA thirty-to-eighty-nine days late: 1.3%; Butte, CA twelve-month change +0.1%; Butte, CA peak since 2008: 5.0% (February 2010); California overall 0.5%. Butte, CA ninety-day series: Dec 24 0.9, Jan 25 0.9, Feb 25 0.7 (Butte, CA), Mar 25 0.6, Apr 25 0.7, May 25 0.6 (Butte, CA), Jun 25 0.6, Jul 25 0.7, Aug 25 0.9 (Butte, CA), Sep 25 1.0, Oct 25 0.9, Nov 25 0.9 (Butte, CA), Dec 25 1.0.
Opportunity index: Butte, CA
Butte, CA index 30.8, Butte, CA phase early_signal; Butte, CA primary driver bank institutional, Butte, CA second driver vacancy. Butte, CA components: property stress 29.2, foreclosure pressure 28.9, listing discounts 23.1, bank stress 57.1, insurance 0.0; Butte, CA pulse 35.5; Butte, CA capital opportunity 23.7.
ZIP market phases inside Butte, CA
21 Butte, CA ZIPs carry a price-cycle phase; Butte, CA ZIPs by phase (Butte, CA), deepest drawdown first: contraction, -2.4% YoY, 2.4% off peak (Butte, CA): 95916, 95917, 95926, 95928, Butte, CA 95929, 95938, 95942, 95954, Butte, CA 95958, 95965, 95968, 95969, Butte, CA 95974, 95978, 95948; contraction, -2.3% YoY, 2.4% off peak (Butte, CA): 95966.
Residential listings by Butte, CA ZIP
Butte, CA ZIPs with the most tracked Butte, CA residential listings: 95966 18 listings, 11 candidates, bank pressure 62; 95954 14 listings, 11 candidates, bank pressure 61; 95965 10 listings, 4 candidates, bank pressure 61; 95969 10 listings, 6 candidates, bank pressure 61 (Butte, CA); 95926 6 listings, 2 candidates, bank pressure 61; 95948 5 listings, 0 candidates, bank pressure 60; 95928 4 listings, 3 candidates, bank pressure 61; 95973 3 listings, 1 candidates, bank pressure 60. Butte, CA totals: 74 listings; Butte, CA candidates 41; active ZIPs 11.
HUD assisted housing in Butte, CA
8 assisted properties with 488 units sit in Butte, CA; largest Butte, CA properties: Willow Oak Villas (Chico) 141 units; Menlo Pointe Apartments (Chico) 105 units; Hillview Ridge Apartments (Oroville) 72 units in Butte, CA; Jarvis Gardens (Chico) 50 units, 49 assisted; Orange Tree Senior Apartments (Oroville) 50 units, 49 assisted; Lucian Manor Affordable Housing, Inc. (Chico) 38 units, 38 assisted.
Lenders with branches in Butte, CA
Butte, CA lenders by branch count: Tri Counties Bank (Butte, CA): stress 49, 9 branches low in Butte, CA; Mechanics Bank (Butte, CA): stress 59, 4 branches low in Butte, CA; Golden Valley Bank (Butte, CA): stress 79, 3 branches low in Butte, CA; Five Star Bank (Butte, CA): stress 59, 1 branch low in Butte, CA; Plumas Bank (Butte, CA): stress 46, 1 branch low in Butte, CA.
Vacancy and permits, Butte, CA
9,501 of 92,813 Butte, CA housing units are vacant; Butte, CA permits, twelve months: 281 multifamily units in Butte, CA, 658 one-to-four unit units.
Work Butte, CA at the parcel level
Every Butte, CA parcel carries owner and address; every Butte, CA parcel carries APN; Butte, CA distress scores sit on the Butte, CA live board.
Butte, CA figures refresh with each source.
Butte, CA questions
Most distressed ZIP code in Butte County, CA?
ZIP 95916 leads Butte, CA at 33/100; next in Butte, CA: 95917 at 33/100; the Butte, CA average is 32/100.
Where does Butte County, CA rank for investment opportunity?
Butte, CA is #1,116 among all ranked counties, #10 in California; the Butte, CA driver is bank institutional; Butte, CA moved down 117 places.
How many mortgages are delinquent in Butte County, CA?
1.0% of Butte, CA mortgages were ninety-plus days late in December 2025; the Butte, CA peak since 2008 was 5.0%.
Which banks lend in Butte County, CA?
5 watched lenders hold Butte, CA branches; the largest Butte, CA footprints are Tri Counties Bank (9), Mechanics Bank (4), Golden Valley Bank (3).
More on Butte, CA
Butte County, CA distress report: public-record figures for Butte, CA; not legal advice for Butte, CA; not tax or investment advice; verify every Butte, CA record before acting.