Merced County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Merced County, CA distress report, 2026: 24 ZIPs scored in Merced, CA, Merced, CA average 24/100; the top Merced, CA ZIP is 93610 at 25/100; Merced, CA market phase contraction, Merced, CA prices -1.1% year over year.
- Merced, CA ranks #2,709 nationally (opportunity index); Merced, CA #41 in California; Merced, CA index 24.9.
- Merced, CA ninety-day mortgage delinquency 1.0% in December 2025; Merced, CA twelve-month change +0.2%.
- Merced, CA ZIP phases: 19 contraction, 5 peak.
- Merced, CA residential listings tracked: 70 across 19 ZIPs; Merced, CA candidate listings 17.
- Merced, CA HUD assisted properties: 2 with 270 units.
- Merced, CA lenders on watch: 5; largest Merced, CA footprint Westamerica Bank (7 branches).
- Merced, CA most distressed ZIP: 93610 at 25/100.
Merced, CA figures: DLRadar distress index; Merced, CA inputs: CFPB, FHFA, HUD, FDIC; Merced, CA rebuilt as sources refresh.
| Rank | Merced, CA ZIP | Score |
|---|---|---|
| 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 | 95324 | 25/100 |
| 10 | 95333 | 25/100 |
| 11 | 95334 | 25/100 |
| 12 | 95340 | 25/100 |
Most distressed Merced, CA ZIPs (0-100, 2026)
Mortgage delinquency in Merced, CA
1.0% of Merced, CA mortgages were ninety-plus days late (Merced, CA, December 2025); Merced, CA thirty-to-eighty-nine days late: 1.9%; Merced, CA twelve-month change +0.2%; Merced, CA peak since 2008: 11.9% (February 2010); California overall 0.5%. Merced, CA ninety-day series: Dec 24 0.8, Jan 25 0.5, Feb 25 0.5 (Merced, CA), Mar 25 0.7, Apr 25 0.7, May 25 0.6 (Merced, CA), Jun 25 0.6, Jul 25 0.7, Aug 25 0.5 (Merced, CA), Sep 25 0.6, Oct 25 0.8, Nov 25 0.9 (Merced, CA), Dec 25 1.0.
Opportunity index: Merced, CA
Merced, CA index 24.9, Merced, CA phase weak; Merced, CA primary driver bank institutional, Merced, CA second driver construction. Merced, CA components: property stress 12.8, foreclosure pressure 13.3, listing discounts 24.7, bank stress 52.4, insurance 0.0; Merced, CA pulse 26.8; Merced, CA capital opportunity 22.0.
ZIP market phases inside Merced, CA
24 Merced, CA ZIPs carry a price-cycle phase; Merced, CA ZIPs by phase (Merced, CA), deepest drawdown first: contraction, -1.1% YoY, 3.3% off peak (Merced, CA): 93635, 93665, 95301, 95303, Merced, CA 95312, 95315, 95317, 95324, Merced, CA 95333, 95334, 95340, 95341, Merced, CA 95348, 95365, 95374, 95388.
Residential listings by Merced, CA ZIP
Merced, CA ZIPs with the most tracked Merced, CA residential listings: 95340 20 listings, 12 candidates, bank pressure 61; 95341 9 listings, 0 candidates, bank pressure 61; 95348 9 listings, 0 candidates, bank pressure 61; 93635 8 listings, 2 candidates, bank pressure 61 (Merced, CA); 95301 8 listings, 1 candidates, bank pressure 61; 93620 5 listings, 0 candidates, bank pressure 62; 95374 4 listings, 0 candidates, bank pressure 61; 95334 3 listings, 2 candidates, bank pressure 61. Merced, CA totals: 70 listings; Merced, CA candidates 17; active ZIPs 12.
HUD assisted housing in Merced, CA
2 assisted properties with 270 units sit in Merced, CA; largest Merced, CA properties: Village Terrace Apts (Merced) 184 units; Olive Tree Apartments (Livingston) 86 units.
Lenders with branches in Merced, CA
Merced, CA lenders by branch count: Westamerica Bank (Merced, CA): stress 52, 7 branches low in Merced, CA; Mechanics Bank (Merced, CA): stress 59, 3 branches low in Merced, CA; Farmers&Merchants Bk Cntl Ca (Merced, CA): stress 50, 2 branches low in Merced, CA; Community West Bank (Merced, CA): stress 61, 1 branch low in Merced, CA; Tri Counties Bank (Merced, CA): stress 49, 1 branch low in Merced, CA.
Vacancy and permits, Merced, CA
4,817 of 90,872 Merced, CA housing units are vacant; Merced, CA permits, twelve months: 0 multifamily units in Merced, CA, 541 one-to-four unit units.
Work Merced, CA at the parcel level
Every Merced, CA parcel carries owner and address; every Merced, CA parcel carries APN; Merced, CA distress scores sit on the Merced, CA live board.
Merced, CA figures refresh with each source.
Merced, CA questions
Most distressed ZIP code in Merced County, CA?
ZIP 93610 leads Merced, CA at 25/100; next in Merced, CA: 93635 at 25/100; the Merced, CA average is 24/100.
Where does Merced County, CA rank for investment opportunity?
Merced, CA is #2,709 among all ranked counties, #41 in California; the Merced, CA driver is bank institutional; Merced, CA moved up 163 places.
How many mortgages are delinquent in Merced County, CA?
1.0% of Merced, CA mortgages were ninety-plus days late in December 2025; the Merced, CA peak since 2008 was 11.9%.
Which banks lend in Merced County, CA?
5 watched lenders hold Merced, CA branches; the largest Merced, CA footprints are Westamerica Bank (7), Mechanics Bank (3), Farmers&Merchants Bk Cntl Ca (2).
More on Merced, CA
Merced County, CA distress report: public-record figures for Merced, CA; not legal advice for Merced, CA; not tax or investment advice; verify every Merced, CA record before acting.