El Dorado County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
El Dorado County, CA distress report, 2026: 25 ZIPs scored in El Dorado, CA, El Dorado, CA average 19/100; the top El Dorado, CA ZIP is 95630 at 26/100; El Dorado, CA market phase contraction, El Dorado, CA prices -0.5% year over year.
- El Dorado, CA ranks #1,610 nationally (opportunity index); El Dorado, CA #18 in California; El Dorado, CA index 29.0.
- El Dorado, CA ninety-day mortgage delinquency 0.2% in December 2025; El Dorado, CA twelve-month change -0.1%.
- El Dorado, CA ZIP phases: 25 contraction.
- El Dorado, CA residential listings tracked: 123 across 23 ZIPs; El Dorado, CA candidate listings 58.
- El Dorado, CA HUD assisted properties: 6 with 337 units.
- El Dorado, CA lenders on watch: 3; largest El Dorado, CA footprint El Dorado Savings Bank Fsb (10 branches).
- El Dorado, CA most distressed ZIP: 95630 at 26/100.
El Dorado, CA figures: DLRadar distress index; El Dorado, CA inputs: CFPB, FHFA, HUD, FDIC; El Dorado, CA rebuilt as sources refresh.
| Rank | El Dorado, CA ZIP | Score |
|---|---|---|
| 1 | 95630 | 26/100 |
| 2 | 95613 | 19/100 |
| 3 | 95614 | 19/100 |
| 4 | 95619 | 19/100 |
| 5 | 95623 | 19/100 |
| 6 | 95633 | 19/100 |
| 7 | 95634 | 19/100 |
| 8 | 95635 | 19/100 |
| 9 | 95636 | 19/100 |
| 10 | 95651 | 19/100 |
| 11 | 95664 | 19/100 |
| 12 | 95667 | 19/100 |
Most distressed El Dorado, CA ZIPs (0-100, 2026)
Mortgage delinquency in El Dorado, CA
0.2% of El Dorado, CA mortgages were ninety-plus days late (El Dorado, CA, December 2025); El Dorado, CA thirty-to-eighty-nine days late: 1.0%; El Dorado, CA twelve-month change -0.1%; El Dorado, CA peak since 2008: 5.3% (March 2010); California overall 0.5%. El Dorado, CA ninety-day series: Dec 24 0.3, Jan 25 0.4, Feb 25 0.4 (El Dorado, CA), Mar 25 0.4, Apr 25 0.5, May 25 0.4 (El Dorado, CA), Jun 25 0.5, Jul 25 0.5, Aug 25 0.3 (El Dorado, CA), Sep 25 0.3, Oct 25 0.3, Nov 25 0.3 (El Dorado, CA), Dec 25 0.2.
Opportunity index: El Dorado, CA
El Dorado, CA index 29.0, El Dorado, CA phase early_signal; El Dorado, CA primary driver vacancy, El Dorado, CA second driver bank institutional. El Dorado, CA components: property stress 23.0, foreclosure pressure 28.1, listing discounts 25.6, bank stress 57.8, insurance 0.0; El Dorado, CA pulse 32.8; El Dorado, CA capital opportunity 23.3; El Dorado, CA seven-day change +0.1%.
ZIP market phases inside El Dorado, CA
25 El Dorado, CA ZIPs carry a price-cycle phase; El Dorado, CA ZIPs by phase (El Dorado, CA), deepest drawdown first: contraction, -0.5% YoY, 0.6% off peak (El Dorado, CA): 95613, 95614, 95619, 95623, El Dorado, CA 95630, 95633, 95634, 95635, El Dorado, CA 95636, 95651, 95664, 95667, El Dorado, CA 95672, 95682, 95684, 95709.
Residential listings by El Dorado, CA ZIP
El Dorado, CA ZIPs with the most tracked El Dorado, CA residential listings: 95667 27 listings, 12 candidates, bank pressure 65; 95682 16 listings, 8 candidates, bank pressure 65; 95684 15 listings, 8 candidates, bank pressure 65; 95726 9 listings, 6 candidates, bank pressure 65 (El Dorado, CA); 95614 7 listings, 5 candidates, bank pressure 65; 95762 7 listings, 2 candidates, bank pressure 65; 95672 6 listings, 3 candidates, bank pressure 65; 95633 5 listings, 5 candidates, bank pressure 65. El Dorado, CA totals: 123 listings; El Dorado, CA candidates 58; active ZIPs 2.
HUD assisted housing in El Dorado, CA
6 assisted properties with 337 units sit in El Dorado, CA; largest El Dorado, CA properties: Sterling Ranch Apts (El Dorado Hills) 160 units; Eskaton Lincoln Manor (Placerville) 55 units, 54 assisted; President Abraham Lincoln Manor Ii (Placerville) 45 units, 45 assisted in El Dorado, CA; Tahoe Senior Plaza (South Lake Tahoe) 44 units, 44 assisted; Sky Forest Acres (South Lake Tahoe) 17 units, 17 assisted; Diamond Sunrise Phase Ii (Diamond Springs) 16 units, 15 assisted.
Lenders with branches in El Dorado, CA
El Dorado, CA lenders by branch count: El Dorado Savings Bank Fsb (El Dorado, CA): stress 59, 10 branches low in El Dorado, CA; River City Bank (El Dorado, CA): stress 67, 1 branch low in El Dorado, CA; Mechanics Bank (El Dorado, CA): stress 59, 1 branch low in El Dorado, CA.
Vacancy and permits, El Dorado, CA
18,468 of 94,653 El Dorado, CA housing units are vacant; El Dorado, CA permits, twelve months: 34 multifamily units in El Dorado, CA, 457 one-to-four unit units.
Work El Dorado, CA at the parcel level
Every El Dorado, CA parcel carries owner and address; every El Dorado, CA parcel carries APN; El Dorado, CA distress scores sit on the El Dorado, CA live board.
El Dorado, CA figures refresh with each source.
El Dorado, CA questions
Most distressed ZIP code in El Dorado County, CA?
ZIP 95630 leads El Dorado, CA at 26/100; next in El Dorado, CA: 95613 at 19/100; the El Dorado, CA average is 19/100.
Where does El Dorado County, CA rank for investment opportunity?
El Dorado, CA is #1,610 among all ranked counties, #18 in California; the El Dorado, CA driver is vacancy; El Dorado, CA moved up 41 places.
How many mortgages are delinquent in El Dorado County, CA?
0.2% of El Dorado, CA mortgages were ninety-plus days late in December 2025; the El Dorado, CA peak since 2008 was 5.3%.
Which banks lend in El Dorado County, CA?
3 watched lenders hold El Dorado, CA branches; the largest El Dorado, CA footprints are El Dorado Savings Bank Fsb (10), River City Bank (1), Mechanics Bank (1).
More on El Dorado, CA
El Dorado County, CA distress report: public-record figures for El Dorado, CA; not legal advice for El Dorado, CA; not tax or investment advice; verify every El Dorado, CA record before acting.