Calaveras County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Calaveras County, CA distress report, 2026: 21 ZIPs scored in Calaveras, CA, Calaveras, CA average 27/100; the top Calaveras, CA ZIP is 95221 at 28/100; Calaveras, CA market phase contraction, Calaveras, CA prices -0.3% year over year.
- Calaveras, CA ranks #338 nationally (opportunity index); Calaveras, CA #3 in California; Calaveras, CA index 34.3.
- Calaveras, CA: no CFPB county sample; Calaveras, CA non-metro area reading 0.6%.
- Calaveras, CA ZIP phases: 19 contraction, 2 peak.
- Calaveras, CA residential listings tracked: 85 across 18 ZIPs; Calaveras, CA candidate listings 51.
- Calaveras, CA lenders on watch: 3; largest Calaveras, CA footprint El Dorado Savings Bank Fsb (3 branches).
- Calaveras, CA most distressed ZIP: 95221 at 28/100.
Calaveras, CA figures: DLRadar distress index; Calaveras, CA inputs: CFPB, FHFA, HUD, FDIC; Calaveras, CA rebuilt as sources refresh.
| Rank | Calaveras, CA ZIP | Score |
|---|---|---|
| 1 | 95221 | 28/100 |
| 2 | 95222 | 28/100 |
| 3 | 95224 | 28/100 |
| 4 | 95225 | 28/100 |
| 5 | 95226 | 28/100 |
| 6 | 95228 | 28/100 |
| 7 | 95232 | 28/100 |
| 8 | 95233 | 28/100 |
| 9 | 95245 | 28/100 |
| 10 | 95246 | 28/100 |
| 11 | 95247 | 28/100 |
| 12 | 95248 | 28/100 |
Most distressed Calaveras, CA ZIPs (0-100, 2026)
Mortgage delinquency around Calaveras, CA
No CFPB county sample covers Calaveras, CA; the non-metro area reading for Calaveras, CA: 0.6% ninety-plus; Calaveras, CA area thirty-to-eighty-nine 1.7% (December 2025, Calaveras, CA); California overall 0.5%.
Opportunity index: Calaveras, CA
Calaveras, CA index 34.3, Calaveras, CA phase peak_opportunity; Calaveras, CA primary driver vacancy, Calaveras, CA second driver construction. Calaveras, CA components: property stress 29.4, foreclosure pressure 32.7, listing discounts 29.8, bank stress 52.4, insurance 0.0; Calaveras, CA pulse 38.9; Calaveras, CA capital opportunity 27.4.
ZIP market phases inside Calaveras, CA
21 Calaveras, CA ZIPs carry a price-cycle phase; Calaveras, CA ZIPs by phase (Calaveras, CA), deepest drawdown first: contraction, -2.5% YoY, 2.6% off peak (Calaveras, CA): 95236; peak, +0.3% YoY, 0.7% off peak (Calaveras, CA): 95230; contraction, -0.3% YoY, 0.3% off peak (Calaveras, CA): 95221, 95222, 95224, 95225, Calaveras, CA 95226, 95228, 95232, 95233, Calaveras, CA 95245, 95246, 95247, 95248, Calaveras, CA 95249, 95251.
Residential listings by Calaveras, CA ZIP
Calaveras, CA ZIPs with the most tracked Calaveras, CA residential listings: 95252 24 listings, 16 candidates, bank pressure 53; 95245 11 listings, 9 candidates, bank pressure 53; 95222 9 listings, 5 candidates, bank pressure 53; 95228 8 listings, 5 candidates, bank pressure 53 (Calaveras, CA); 95249 7 listings, 4 candidates, bank pressure 53; 95225 6 listings, 0 candidates, bank pressure 53; 95247 6 listings, 3 candidates, bank pressure 53; 95246 5 listings, 1 candidates, bank pressure 53. Calaveras, CA totals: 85 listings; Calaveras, CA candidates 51; active ZIPs 1.
Lenders with branches in Calaveras, CA
Calaveras, CA lenders by branch count: El Dorado Savings Bank Fsb (Calaveras, CA): stress 59, 3 branches low in Calaveras, CA; Mechanics Bank (Calaveras, CA): stress 59, 1 branch low in Calaveras, CA; Bank Of Stockton (Calaveras, CA): stress 6, 1 branch low in Calaveras, CA.
Vacancy and permits, Calaveras, CA
9,246 of 27,683 Calaveras, CA housing units are vacant; Calaveras, CA permits, twelve months: 0 multifamily units in Calaveras, CA, 73 one-to-four unit units.
Work Calaveras, CA at the parcel level
Every Calaveras, CA parcel carries owner and address; every Calaveras, CA parcel carries APN; Calaveras, CA distress scores sit on the Calaveras, CA live board.
Calaveras, CA figures refresh with each source.
Calaveras, CA questions
Most distressed ZIP code in Calaveras County, CA?
ZIP 95221 leads Calaveras, CA at 28/100; next in Calaveras, CA: 95222 at 28/100; the Calaveras, CA average is 27/100.
Where does Calaveras County, CA rank for investment opportunity?
Calaveras, CA is #338 among all ranked counties, #3 in California; the Calaveras, CA driver is vacancy; Calaveras, CA moved up 108 places.
How many mortgages are delinquent in Calaveras County, CA?
Calaveras, CA takes the non-metro area reading of 0.6% for December 2025; no CFPB county sample covers Calaveras, CA.
Which banks lend in Calaveras County, CA?
3 watched lenders hold Calaveras, CA branches; the largest Calaveras, CA footprints are El Dorado Savings Bank Fsb (3), Mechanics Bank (1), Bank Of Stockton (1).
More on Calaveras, CA
Calaveras County, CA distress report: public-record figures for Calaveras, CA; not legal advice for Calaveras, CA; not tax or investment advice; verify every Calaveras, CA record before acting.