Merced County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Merced County, California? DLRadar grades every Merced County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Merced County breakdown.
- Merced County's most distressed ZIP is 93610 at 25/100.
- 24 ZIP codes tracked in Merced County, averaging 24/100 distress.
- Merced County reads contraction — home values down 1.1% year over year, 3.3% off peak.
- Vacancy runs 6.5% across Merced County's tracked ZIPs, with a 16.8% poverty rate.
- The typical Merced County home is worth about $389,573 against a ~$65,918 median income.
- Lending headwind in Merced County sits at 31/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 93610 | 25/100 |
| 2 | 93635 | 25/100 |
| 3 | 93665 | 25/100 |
| 4 | 95301 | 25/100 |
| 5 | 95303 | 25/100 |
| 6 | 95312 | 25/100 |
| 7 | 95315 | 25/100 |
| 8 | 95317 | 25/100 |
| 9 | 95322 | 25/100 |
| 10 | 95324 | 25/100 |
| 11 | 95333 | 25/100 |
| 12 | 95334 | 25/100 |
Most distressed ZIP codes in Merced County (composite distress 0-100, 2026)
What is driving Merced County distress
Nothing here is estimated: Merced County is scored from filings alone, and its ZIPs average 24/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Merced County market phase and pricing
Phase for Merced County: contraction (-1.1% YoY, 3.3% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Merced County
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Questions and answers
Which Merced County ZIP scores worst for distress?
ZIP 93610 leads Merced County at 25/100, recomputed monthly from public records.
Is Merced County expanding or contracting?
Merced County currently sits in contraction, with values down 1.1% year on year, based on FHFA price-index trajectory.
Where does the Merced County data come from?
Each Merced 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 24 local ZIPs and every other county in the country.
How much do distress scores vary between Merced County ZIP codes?
Averaging the county conceals how uneven it is. Across the Merced County ZIPs DLRadar ranks, scores run from 25/100 in 93610 down to 25/100 in 95334, against a Merced County average of 24/100. With 0 points between best and worst, county-level targeting in Merced County wastes effort.
What do Merced County home values and vacancy say about distressed supply?
The typical Merced County home carries about $389,573 of value against a median household income near $65,918. Vacancy across Merced County's tracked ZIPs runs 6.5% and the poverty rate is 16.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Merced County's foreclosure and lien filings and its 31/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.