Placer County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Placer County, CA distress report, 2026: 34 ZIPs scored in Placer, CA, Placer, CA average 23/100; the top Placer, CA ZIP is 95626 at 26/100; Placer, CA market phase contraction, Placer, CA prices -0.5% year over year.
- Placer, CA ranks #1,974 nationally (opportunity index); Placer, CA #25 in California; Placer, CA index 27.8.
- Placer, CA ninety-day mortgage delinquency 0.3% in December 2025; Placer, CA twelve-month change -0.2%.
- Placer, CA ZIP phases: 32 contraction, 2 peak.
- Placer, CA residential listings tracked: 134 across 30 ZIPs; Placer, CA candidate listings 60.
- Placer, CA HUD assisted properties: 7 with 843 units.
- Placer, CA lenders on watch: 8; largest Placer, CA footprint Tri Counties Bank (3 branches).
- Placer, CA most distressed ZIP: 95626 at 26/100.
Placer, CA figures: DLRadar distress index; Placer, CA inputs: CFPB, FHFA, HUD, FDIC; Placer, CA rebuilt as sources refresh.
| Rank | Placer, CA ZIP | Score |
|---|---|---|
| 1 | 95626 | 26/100 |
| 2 | 95603 | 23/100 |
| 3 | 95604 | 23/100 |
| 4 | 95631 | 23/100 |
| 5 | 95648 | 23/100 |
| 6 | 95650 | 23/100 |
| 7 | 95658 | 23/100 |
| 8 | 95661 | 23/100 |
| 9 | 95663 | 23/100 |
| 10 | 95668 | 23/100 |
| 11 | 95677 | 23/100 |
| 12 | 95678 | 23/100 |
Most distressed Placer, CA ZIPs (0-100, 2026)
Mortgage delinquency in Placer, CA
0.3% of Placer, CA mortgages were ninety-plus days late (Placer, CA, December 2025); Placer, CA thirty-to-eighty-nine days late: 0.8%; Placer, CA twelve-month change -0.2%; Placer, CA peak since 2008: 6.1% (March 2010); California overall 0.5%. Placer, CA ninety-day series: Dec 24 0.5, Jan 25 0.3, Feb 25 0.3 (Placer, CA), Mar 25 0.3, Apr 25 0.2, May 25 0.2 (Placer, CA), Jun 25 0.3, Jul 25 0.3, Aug 25 0.2 (Placer, CA), Sep 25 0.3, Oct 25 0.3, Nov 25 0.3 (Placer, CA), Dec 25 0.3.
Opportunity index: Placer, CA
Placer, CA index 27.8, Placer, CA phase weak; Placer, CA primary driver bank institutional, Placer, CA second driver construction. Placer, CA components: property stress 20.0, foreclosure pressure 23.5, listing discounts 25.2, bank stress 59.9, insurance 0.0; Placer, CA pulse 31.5; Placer, CA capital opportunity 22.2.
ZIP market phases inside Placer, CA
34 Placer, CA ZIPs carry a price-cycle phase; Placer, CA ZIPs by phase (Placer, CA), deepest drawdown first: peak, +0.2% YoY, 1.6% off peak (Placer, CA): 95668; contraction, -0.3% YoY, 0.9% off peak (Placer, CA): 95626; contraction, -0.5% YoY, 0.6% off peak (Placer, CA): 95603, 95604, 95631, 95648, Placer, CA 95650, 95658, 95661, 95663, Placer, CA 95677, 95678, 95681, 95701, Placer, CA 95703, 95713.
Residential listings by Placer, CA ZIP
Placer, CA ZIPs with the most tracked Placer, CA residential listings: 95648 26 listings, 10 candidates, bank pressure 64; 95747 15 listings, 2 candidates, bank pressure 64; 95602 13 listings, 8 candidates, bank pressure 64; 95765 12 listings, 1 candidates, bank pressure 64 (Placer, CA); 95603 10 listings, 5 candidates, bank pressure 64; 95713 9 listings, 7 candidates, bank pressure 64; 95678 8 listings, 2 candidates, bank pressure 62; 95701 6 listings, 4 candidates, bank pressure 64. Placer, CA totals: 134 listings; Placer, CA candidates 60; active ZIPs 1.
HUD assisted housing in Placer, CA
7 assisted properties with 843 units sit in Placer, CA; largest Placer, CA properties: Meridian At Stanford Ranch (Rocklin) 452 units; Sutter Terrace (Roseville) 100 units; Rolling Oaks Apartments (Rocklin) 79 units, 78 assisted in Placer, CA; Mcauley Meadows (Auburn) 60 units, 39 assisted; Valley Oaks (Auburn) 60 units, 59 assisted; Eskaton Roseville Manor (Roseville) 49 units, 48 assisted.
Lenders with branches in Placer, CA
Placer, CA lenders by branch count: Tri Counties Bank (Placer, CA): stress 49, 3 branches low in Placer, CA; River Valley Community Bank (Placer, CA): stress 85, 2 branches low in Placer, CA; First Northern Bank Of Dixon (Placer, CA): stress 64, 2 branches low in Placer, CA; Plumas Bank (Placer, CA): stress 46, 2 branches low in Placer, CA; Poppy Bank (Placer, CA): stress 69, 1 branch low in Placer, CA; Exchange Bank (Placer, CA): stress 68, 1 branch low in Placer, CA; River City Bank (Placer, CA): stress 67, 1 branch low in Placer, CA; Bank Of Marin (Placer, CA): stress 67, 1 branch low in Placer, CA.
Vacancy and permits, Placer, CA
21,312 of 179,266 Placer, CA housing units are vacant; Placer, CA permits, twelve months: 835 multifamily units in Placer, CA, 2,448 one-to-four unit units.
Work Placer, CA at the parcel level
Every Placer, CA parcel carries owner and address; every Placer, CA parcel carries APN; Placer, CA distress scores sit on the Placer, CA live board.
Placer, CA figures refresh with each source.
Placer, CA questions
Most distressed ZIP code in Placer County, CA?
ZIP 95626 leads Placer, CA at 26/100; next in Placer, CA: 95603 at 23/100; the Placer, CA average is 23/100.
Where does Placer County, CA rank for investment opportunity?
Placer, CA is #1,974 among all ranked counties, #25 in California; the Placer, CA driver is bank institutional; Placer, CA moved down 19 places.
How many mortgages are delinquent in Placer County, CA?
0.3% of Placer, CA mortgages were ninety-plus days late in December 2025; the Placer, CA peak since 2008 was 6.1%.
Which banks lend in Placer County, CA?
8 watched lenders hold Placer, CA branches; the largest Placer, CA footprints are Tri Counties Bank (3), River Valley Community Bank (2), First Northern Bank Of Dixon (2).
More on Placer, CA
Placer County, CA distress report: public-record figures for Placer, CA; not legal advice for Placer, CA; not tax or investment advice; verify every Placer, CA record before acting.