Humboldt County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Humboldt County, California? DLRadar grades every Humboldt County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Humboldt County breakdown.
- Humboldt County's most distressed ZIP is 95501 at 27/100.
- 36 ZIP codes tracked in Humboldt County, averaging 27/100 distress.
- Humboldt County reads peak — home values up 0.4% year over year.
- Vacancy runs 24.4% across Humboldt County's tracked ZIPs, with a 24.7% poverty rate.
- The typical Humboldt County home is worth about $505,058 against a ~$62,747 median income.
- Lending headwind in Humboldt County sits at 48/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95501 | 27/100 |
| 2 | 95503 | 27/100 |
| 3 | 95511 | 27/100 |
| 4 | 95514 | 27/100 |
| 5 | 95519 | 27/100 |
| 6 | 95521 | 27/100 |
| 7 | 95524 | 27/100 |
| 8 | 95525 | 27/100 |
| 9 | 95528 | 27/100 |
| 10 | 95536 | 27/100 |
| 11 | 95537 | 27/100 |
| 12 | 95540 | 27/100 |
Most distressed ZIP codes in Humboldt County (composite distress 0-100, 2026)
What is driving Humboldt County distress
Humboldt County's placement in the national index rests on public filings — a 27/100 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.
Humboldt County market phase and pricing
Humboldt County reads peak — home prices rose 0.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Humboldt County
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Frequently asked
Where is distress highest inside Humboldt County, CA?
ZIP 95501 leads Humboldt County at 27/100, recomputed monthly from public records.
Where is Humboldt County in the housing cycle?
FHFA price-index movement places Humboldt County in peak; prices are up 0.4% over twelve months.
Can the Humboldt County figures be verified?
Each Humboldt 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 36 local ZIPs and every other county in the country.
How much do distress scores vary between Humboldt County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Humboldt County ZIPs DLRadar ranks, scores run from 27/100 in 95501 down to 27/100 in 95540, against a Humboldt County average of 27/100. The 0-point range is the argument for ZIP-level search across Humboldt County.
What do Humboldt County home values and vacancy say about distressed supply?
The typical Humboldt County home carries about $505,058 of value against a median household income near $62,747. Vacancy across Humboldt County's tracked ZIPs runs 24.4% and the poverty rate is 24.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Humboldt County's foreclosure and tax-lien filings and its 48/100 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.