El Dorado County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in El Dorado County, California? DLRadar grades every El Dorado County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 El Dorado County breakdown.
- El Dorado County's most distressed ZIP is 95630 at 26/100.
- 25 ZIP codes tracked in El Dorado County, averaging 20/100 distress.
- El Dorado County reads contraction — home values down 0.5% year over year, 0.6% off peak.
- Vacancy runs 21.6% across El Dorado County's tracked ZIPs, with a 8.5% poverty rate.
- The typical El Dorado County home is worth about $588,929 against a ~$120,846 median income.
- Lending headwind in El Dorado County sits at 49/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95630 | 26/100 |
| 2 | 95613 | 20/100 |
| 3 | 95614 | 20/100 |
| 4 | 95619 | 20/100 |
| 5 | 95623 | 20/100 |
| 6 | 95633 | 20/100 |
| 7 | 95634 | 20/100 |
| 8 | 95635 | 20/100 |
| 9 | 95636 | 20/100 |
| 10 | 95651 | 20/100 |
| 11 | 95664 | 20/100 |
| 12 | 95667 | 20/100 |
Most distressed ZIP codes in El Dorado County (composite distress 0-100, 2026)
What is driving El Dorado County distress
El Dorado County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
El Dorado County market phase and pricing
El Dorado County currently sits in contraction after a 0.5% decline in the past twelve months, 0.6% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions about this county
What is the most distressed ZIP code in El Dorado County, CA?
ZIP 95630 leads El Dorado County at 26/100, recomputed monthly from public records.
Where is El Dorado County in the housing cycle?
El Dorado County reads contraction, with home prices down 0.5% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the El Dorado County scores?
Each El Dorado 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 25 local ZIPs and every other county in the country.
How much do distress scores vary between El Dorado County ZIP codes?
Averaging the county conceals how uneven it is. Across the El Dorado County ZIPs DLRadar ranks, scores run from 26/100 in 95630 down to 20/100 in 95667, against a El Dorado County average of 20/100. A spread of 6 points means El Dorado County has to be worked ZIP by ZIP.
What do El Dorado County home values and vacancy say about distressed supply?
The typical El Dorado County home carries about $588,929 of value against a median household income near $120,846. Vacancy across El Dorado County's tracked ZIPs runs 21.6% and the poverty rate is 8.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with El Dorado County's filings and its 49/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.