Calaveras County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Calaveras County, California? DLRadar grades every Calaveras County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Calaveras County breakdown.
- Calaveras County's most distressed ZIP is 95221 at 30/100.
- 21 ZIP codes tracked in Calaveras County, averaging 29/100 distress.
- Calaveras County reads contraction — home values down 0.3% year over year.
- Vacancy runs 27.9% across Calaveras County's tracked ZIPs, with a 12% poverty rate.
- The typical Calaveras County home is worth about $452,011 against a ~$83,534 median income.
- Lending headwind in Calaveras County sits at 26/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95221 | 30/100 |
| 2 | 95222 | 30/100 |
| 3 | 95224 | 30/100 |
| 4 | 95225 | 30/100 |
| 5 | 95226 | 30/100 |
| 6 | 95228 | 30/100 |
| 7 | 95232 | 30/100 |
| 8 | 95233 | 30/100 |
| 9 | 95245 | 30/100 |
| 10 | 95246 | 30/100 |
| 11 | 95247 | 30/100 |
| 12 | 95248 | 30/100 |
Most distressed ZIP codes in Calaveras County (composite distress 0-100, 2026)
What is driving Calaveras County distress
Nothing here is estimated: Calaveras County is scored from filings alone, and its ZIPs average 29/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Calaveras County market phase and pricing
The cycle in Calaveras County is contraction, with values down 0.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Calaveras County
Calaveras County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
Nothing charged today · every module open, on live data.
Frequently asked
Which ZIP code leads Calaveras County on distress?
ZIP 95221 leads Calaveras County at 30/100, recomputed monthly from public records.
Which phase does Calaveras County sit in right now?
FHFA price-index movement places Calaveras County in contraction; prices are down 0.3% over twelve months.
Where does the Calaveras County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 21 Calaveras County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Calaveras County ZIP codes?
A single county score papers over real variation. Across the Calaveras County ZIPs DLRadar ranks, scores run from 30/100 in 95221 down to 30/100 in 95248, against a Calaveras County average of 29/100. A spread of 0 points means Calaveras County has to be worked ZIP by ZIP.
What do Calaveras County home values and vacancy say about distressed supply?
The typical Calaveras County home carries about $452,011 of value against a median household income near $83,534. Vacancy across Calaveras County's tracked ZIPs runs 27.9% and the poverty rate is 12%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Calaveras County's foreclosure and lien filings and its 26/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.