Lake County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, California? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 95422 at 27/100.
- 15 ZIP codes tracked in Lake County, averaging 27/100 distress.
- Lake County reads peak — home values up 0.4% year over year.
- Vacancy runs 24.9% across Lake County's tracked ZIPs, with a 17.7% poverty rate.
- The typical Lake County home is worth about $367,385 against a ~$60,469 median income.
- Lending headwind in Lake County sits at 27/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95422 | 27/100 |
| 2 | 95423 | 27/100 |
| 3 | 95426 | 27/100 |
| 4 | 95435 | 27/100 |
| 5 | 95443 | 27/100 |
| 6 | 95451 | 27/100 |
| 7 | 95453 | 27/100 |
| 8 | 95457 | 27/100 |
| 9 | 95458 | 27/100 |
| 10 | 95461 | 27/100 |
| 11 | 95464 | 27/100 |
| 12 | 95467 | 27/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
The Lake County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 27/100 ZIP average. No proprietary or modelled inputs enter the score.
Lake County market phase and pricing
Lake 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 Lake County
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Frequently asked
Which ZIP code leads Lake County on distress?
ZIP 95422 leads Lake County at 27/100, recomputed monthly from public records.
What market phase is Lake County in?
FHFA price-index movement places Lake County in peak; prices are up 0.4% over twelve months.
What is this Lake County analysis built from?
Each Lake 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 15 local ZIPs and every other county in the country.
How much do distress scores vary between Lake County ZIP codes?
A single county score papers over real variation. Across the Lake County ZIPs DLRadar ranks, scores run from 27/100 in 95422 down to 27/100 in 95467, against a Lake County average of 27/100. With 0 points between best and worst, county-level targeting in Lake County wastes effort.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $367,385 of value against a median household income near $60,469. Vacancy across Lake County's tracked ZIPs runs 24.9% and the poverty rate is 17.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Lake County's foreclosure and lien filings and its 27/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.