Modoc County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Modoc County, CA distress report, 2026: 13 ZIPs scored in Modoc, CA, Modoc, CA average 13/100; the top Modoc, CA ZIP is 96056 at 24/100; Modoc, CA market phase contraction, Modoc, CA prices -0.3% year over year.
- Modoc, CA ranks #1,007 nationally (opportunity index); Modoc, CA #9 in California; Modoc, CA index 31.1.
- Modoc, CA: no CFPB county sample; Modoc, CA non-metro area reading 0.6%.
- Modoc, CA ZIP phases: 11 contraction, 2 peak.
- Modoc, CA residential listings tracked: 7 across 11 ZIPs; Modoc, CA candidate listings 5.
- Modoc, CA lenders on watch: 1; largest Modoc, CA footprint Plumas Bank (1 branch).
- Modoc, CA most distressed ZIP: 96056 at 24/100.
Modoc, CA figures: DLRadar distress index; Modoc, CA inputs: CFPB, FHFA, HUD, FDIC; Modoc, CA rebuilt as sources refresh.
| Rank | Modoc, CA ZIP | Score |
|---|---|---|
| 1 | 96056 | 24/100 |
| 2 | 96006 | 18/100 |
| 3 | 96134 | 16/100 |
| 4 | 96015 | 11/100 |
| 5 | 96054 | 11/100 |
| 6 | 96101 | 11/100 |
| 7 | 96104 | 11/100 |
| 8 | 96108 | 11/100 |
| 9 | 96110 | 11/100 |
| 10 | 96112 | 11/100 |
| 11 | 96115 | 11/100 |
| 12 | 96116 | 11/100 |
Most distressed Modoc, CA ZIPs (0-100, 2026)
Mortgage delinquency around Modoc, CA
No CFPB county sample covers Modoc, CA; the non-metro area reading for Modoc, CA: 0.6% ninety-plus; Modoc, CA area thirty-to-eighty-nine 1.7% (December 2025, Modoc, CA); California overall 0.5%.
Opportunity index: Modoc, CA
Modoc, CA index 31.1, Modoc, CA phase early_signal; Modoc, CA primary driver vacancy, Modoc, CA second driver construction. Modoc, CA components: property stress 20.4, foreclosure pressure 24.1, listing discounts 27.0, bank stress 44.6, insurance 0.0; Modoc, CA pulse 34.5; Modoc, CA capital opportunity 26.0.
ZIP market phases inside Modoc, CA
13 Modoc, CA ZIPs carry a price-cycle phase; Modoc, CA ZIPs by phase (Modoc, CA), deepest drawdown first: contraction, -0.3% YoY, 0.3% off peak (Modoc, CA): 96015, 96054, 96101, 96104, Modoc, CA 96108, 96112, 96115, 96116, Modoc, CA 96134, 96110; contraction, -0.1% YoY, 0.3% off peak (Modoc, CA): 97635; peak, +0.2% YoY, 0.2% off peak (Modoc, CA): 96006; peak, +0.3% YoY, 0.1% off peak (Modoc, CA): 96056.
Residential listings by Modoc, CA ZIP
Modoc, CA ZIPs with the most tracked Modoc, CA residential listings: 96101 5 listings, 5 candidates, bank pressure 57; 96134 2 listings, 0 candidates, bank pressure 59; 96015 0 listings, 0 candidates, bank pressure 57; 96054 0 listings, 0 candidates, bank pressure 57 (Modoc, CA); 96104 0 listings, 0 candidates, bank pressure 57; 96108 0 listings, 0 candidates, bank pressure 57; 96110 0 listings, 0 candidates, bank pressure 57; 96112 0 listings, 0 candidates, bank pressure 57. Modoc, CA totals: 7 listings; Modoc, CA candidates 5; active ZIPs 1.
Lenders with branches in Modoc, CA
Modoc, CA lenders by branch count: Plumas Bank (Modoc, CA): stress 46, 1 branch low in Modoc, CA.
Vacancy and permits, Modoc, CA
1,497 of 4,764 Modoc, CA housing units are vacant; Modoc, CA permits, twelve months: 0 multifamily units in Modoc, CA, 13 one-to-four unit units.
Work Modoc, CA at the parcel level
Every Modoc, CA parcel carries owner and address; every Modoc, CA parcel carries APN; Modoc, CA distress scores sit on the Modoc, CA live board.
Modoc, CA figures refresh with each source.
Modoc, CA questions
Most distressed ZIP code in Modoc County, CA?
ZIP 96056 leads Modoc, CA at 24/100; next in Modoc, CA: 96006 at 18/100; the Modoc, CA average is 13/100.
Where does Modoc County, CA rank for investment opportunity?
Modoc, CA is #1,007 among all ranked counties, #9 in California; the Modoc, CA driver is vacancy; Modoc, CA moved up 218 places.
How many mortgages are delinquent in Modoc County, CA?
Modoc, CA takes the non-metro area reading of 0.6% for December 2025; no CFPB county sample covers Modoc, CA.
Which banks lend in Modoc County, CA?
1 watched lenders hold Modoc, CA branches; the largest Modoc, CA footprints are Plumas Bank (1).
More on Modoc, CA
Modoc County, CA distress report: public-record figures for Modoc, CA; not legal advice for Modoc, CA; not tax or investment advice; verify every Modoc, CA record before acting.