Madera County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madera County, CA distress report, 2026: 18 ZIPs scored in Madera, CA, Madera, CA average 24/100; the top Madera, CA ZIP is 93623 at 29/100; Madera, CA market phase peak, Madera, CA prices +1.2% year over year.
- Madera, CA ranks #2,109 nationally (opportunity index); Madera, CA #27 in California; Madera, CA index 27.3.
- Madera, CA ninety-day mortgage delinquency 1.1% in December 2025; Madera, CA twelve-month change +0.1%.
- Madera, CA ZIP phases: 16 peak, 2 contraction.
- Madera, CA residential listings tracked: 58 across 13 ZIPs; Madera, CA candidate listings 22.
- Madera, CA HUD assisted properties: 5 with 494 units.
- Madera, CA lenders on watch: 4; largest Madera, CA footprint Community West Bank (3 branches).
- Madera, CA most distressed ZIP: 93623 at 29/100.
Madera, CA figures: DLRadar distress index; Madera, CA inputs: CFPB, FHFA, HUD, FDIC; Madera, CA rebuilt as sources refresh.
| Rank | Madera, CA ZIP | Score |
|---|---|---|
| 1 | 93623 | 29/100 |
| 2 | 93601 | 26/100 |
| 3 | 93653 | 26/100 |
| 4 | 93610 | 25/100 |
| 5 | 93604 | 24/100 |
| 6 | 93614 | 24/100 |
| 7 | 93636 | 24/100 |
| 8 | 93637 | 24/100 |
| 9 | 93638 | 24/100 |
| 10 | 93643 | 24/100 |
| 11 | 93644 | 24/100 |
| 12 | 93645 | 24/100 |
Most distressed Madera, CA ZIPs (0-100, 2026)
Mortgage delinquency in Madera, CA
1.1% of Madera, CA mortgages were ninety-plus days late (Madera, CA, December 2025); Madera, CA thirty-to-eighty-nine days late: 3.4%; Madera, CA twelve-month change +0.1%; Madera, CA peak since 2008: 10.1% (February 2010); California overall 0.5%. Madera, CA ninety-day series: Dec 24 1.0, Jan 25 0.6, Feb 25 0.8 (Madera, CA), Mar 25 1.1, Apr 25 1.0, May 25 1.2 (Madera, CA), Jun 25 1.0, Jul 25 1.1, Aug 25 1.1 (Madera, CA), Sep 25 1.0, Oct 25 0.9, Nov 25 1.0 (Madera, CA), Dec 25 1.1.
Opportunity index: Madera, CA
Madera, CA index 27.3, Madera, CA phase weak; Madera, CA primary driver construction, Madera, CA second driver bank institutional. Madera, CA components: property stress 15.8, foreclosure pressure 16.8, listing discounts 20.2, bank stress 53.7, insurance 0.0; Madera, CA pulse 31.9; Madera, CA capital opportunity 20.5; Madera, CA seven-day change +0.3%.
ZIP market phases inside Madera, CA
18 Madera, CA ZIPs carry a price-cycle phase; Madera, CA ZIPs by phase (Madera, CA), deepest drawdown first: contraction, -0.5% YoY, 3.0% off peak (Madera, CA): 93620; peak, +0.8% YoY, 2.3% off peak (Madera, CA): 93610; peak, +1.0% YoY, 2.2% off peak (Madera, CA): 93622; peak, +1.2% YoY, 2.2% off peak (Madera, CA): 93602, 93604, 93614, 93626, Madera, CA 93636, 93637, 93638, 93643, Madera, CA 93644, 93645, 93669, 93720; peak, +0.7% YoY, 1.6% off peak (Madera, CA): 93653.
Residential listings by Madera, CA ZIP
Madera, CA ZIPs with the most tracked Madera, CA residential listings: 93614 14 listings, 8 candidates, bank pressure 60; 93644 12 listings, 3 candidates, bank pressure 60; 93638 8 listings, 0 candidates, bank pressure 60; 93636 6 listings, 2 candidates, bank pressure 60 (Madera, CA); 93643 5 listings, 1 candidates, bank pressure 60; 93626 4 listings, 3 candidates, bank pressure 62; 93645 3 listings, 1 candidates, bank pressure 60; 93637 2 listings, 1 candidates, bank pressure 60. Madera, CA totals: 58 listings; Madera, CA candidates 22; active ZIPs 9.
HUD assisted housing in Madera, CA
5 assisted properties with 494 units sit in Madera, CA; largest Madera, CA properties: Vista Del Sol Apts (Madera) 192 units; Creekside Apartments (Madera) 81 units; Valle De Las Brisas (Madera) 81 units in Madera, CA; Westgater Apts (Madera) 75 units; Summerwoods Apts (Madera) 65 units.
Lenders with branches in Madera, CA
Madera, CA lenders by branch count: Community West Bank (Madera, CA): stress 61, 3 branches low in Madera, CA; Westamerica Bank (Madera, CA): stress 52, 1 branch low in Madera, CA; Citizens Business Bank Na (Madera, CA): stress 50, 1 branch low in Madera, CA; Tri Counties Bank (Madera, CA): stress 49, 1 branch low in Madera, CA.
Vacancy and permits, Madera, CA
5,636 of 51,015 Madera, CA housing units are vacant; Madera, CA permits, twelve months: 14 multifamily units in Madera, CA, 781 one-to-four unit units.
Work Madera, CA at the parcel level
Every Madera, CA parcel carries owner and address; every Madera, CA parcel carries APN; Madera, CA distress scores sit on the Madera, CA live board.
Madera, CA figures refresh with each source.
Madera, CA questions
Most distressed ZIP code in Madera County, CA?
ZIP 93623 leads Madera, CA at 29/100; next in Madera, CA: 93601 at 26/100; the Madera, CA average is 24/100.
Where does Madera County, CA rank for investment opportunity?
Madera, CA is #2,109 among all ranked counties, #27 in California; the Madera, CA driver is construction; Madera, CA moved down 257 places.
How many mortgages are delinquent in Madera County, CA?
1.1% of Madera, CA mortgages were ninety-plus days late in December 2025; the Madera, CA peak since 2008 was 10.1%.
Which banks lend in Madera County, CA?
4 watched lenders hold Madera, CA branches; the largest Madera, CA footprints are Community West Bank (3), Westamerica Bank (1), Citizens Business Bank Na (1).
More on Madera, CA
Madera County, CA distress report: public-record figures for Madera, CA; not legal advice for Madera, CA; not tax or investment advice; verify every Madera, CA record before acting.