Sacramento County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sacramento County, CA distress report, 2026: 58 ZIPs scored in Sacramento, CA, Sacramento, CA average 26/100; the top Sacramento, CA ZIP is 94571 at 26/100; Sacramento, CA market phase contraction, Sacramento, CA prices -0.5% year over year.
- Sacramento, CA ranks #2,586 nationally (opportunity index); Sacramento, CA #37 in California; Sacramento, CA index 25.5.
- Sacramento, CA ninety-day mortgage delinquency 0.5% in December 2025; Sacramento, CA twelve-month change 0.0%.
- Sacramento, CA ZIP phases: 58 contraction.
- Sacramento, CA residential listings tracked: 490 across 55 ZIPs; Sacramento, CA candidate listings 174.
- Sacramento, CA HUD assisted properties: 34 with 3,069 units.
- Sacramento, CA lenders on watch: 8; largest Sacramento, CA footprint El Dorado Savings Bank Fsb (8 branches).
- Sacramento, CA most distressed ZIP: 94571 at 26/100.
Sacramento, CA figures: DLRadar distress index; Sacramento, CA inputs: CFPB, FHFA, HUD, FDIC; Sacramento, CA rebuilt as sources refresh.
| Rank | Sacramento, CA ZIP | Score |
|---|---|---|
| 1 | 94571 | 26/100 |
| 2 | 95608 | 26/100 |
| 3 | 95610 | 26/100 |
| 4 | 95615 | 26/100 |
| 5 | 95621 | 26/100 |
| 6 | 95624 | 26/100 |
| 7 | 95626 | 26/100 |
| 8 | 95628 | 26/100 |
| 9 | 95630 | 26/100 |
| 10 | 95632 | 26/100 |
| 11 | 95638 | 26/100 |
| 12 | 95639 | 26/100 |
Most distressed Sacramento, CA ZIPs (0-100, 2026)
Mortgage delinquency in Sacramento, CA
0.5% of Sacramento, CA mortgages were ninety-plus days late (Sacramento, CA, December 2025); Sacramento, CA thirty-to-eighty-nine days late: 1.4%; Sacramento, CA twelve-month change 0.0%; Sacramento, CA peak since 2008: 8.2% (January 2010); California overall 0.5%. Sacramento, CA ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.5 (Sacramento, CA), Mar 25 0.4, Apr 25 0.4, May 25 0.4 (Sacramento, CA), Jun 25 0.4, Jul 25 0.5, Aug 25 0.6 (Sacramento, CA), Sep 25 0.5, Oct 25 0.5, Nov 25 0.6 (Sacramento, CA), Dec 25 0.5.
Opportunity index: Sacramento, CA
Sacramento, CA index 25.5, Sacramento, CA phase weak; Sacramento, CA primary driver bank institutional, Sacramento, CA second driver construction. Sacramento, CA components: property stress 13.0, foreclosure pressure 13.8, listing discounts 25.8, bank stress 58.4, insurance 0.0; Sacramento, CA pulse 28.1; Sacramento, CA capital opportunity 21.6.
ZIP market phases inside Sacramento, CA
58 Sacramento, CA ZIPs carry a price-cycle phase; Sacramento, CA ZIPs by phase (Sacramento, CA), deepest drawdown first: contraction, -0.6% YoY, 1.8% off peak (Sacramento, CA): 94571; contraction, -1.1% YoY, 1.3% off peak (Sacramento, CA): 95632; contraction, -0.6% YoY, 1.2% off peak (Sacramento, CA): 95690; contraction, -0.3% YoY, 0.9% off peak (Sacramento, CA): 95626; contraction, -0.4% YoY, 0.8% off peak (Sacramento, CA): 95837; contraction, -0.6% YoY, 0.7% off peak (Sacramento, CA): 95641; contraction, -0.5% YoY, 0.6% off peak (Sacramento, CA): 95608, 95610, 95615, 95621, Sacramento, CA 95624, 95628, 95630, 95638, Sacramento, CA 95639, 95652.
Residential listings by Sacramento, CA ZIP
Sacramento, CA ZIPs with the most tracked Sacramento, CA residential listings: 95842 31 listings, 13 candidates, bank pressure 59; 95621 25 listings, 13 candidates, bank pressure 59; 95834 25 listings, 16 candidates, bank pressure 59; 95835 21 listings, 8 candidates, bank pressure 59 (Sacramento, CA); 95821 20 listings, 8 candidates, bank pressure 59; 95824 20 listings, 5 candidates, bank pressure 59; 95660 19 listings, 7 candidates, bank pressure 59; 95838 19 listings, 6 candidates, bank pressure 59. Sacramento, CA totals: 490 listings; Sacramento, CA candidates 174; active ZIPs 42.
HUD assisted housing in Sacramento, CA
34 assisted properties with 3,069 units sit in Sacramento, CA; largest Sacramento, CA properties: Sherwood Apts (Folsom) 336 units; College Town (Sacramento) 282 units; Pioneer Towers (Sacramento) 198 units, 100 assisted in Sacramento, CA; Imperial Tower (Sacramento) 187 units, 187 assisted; Golf Greens Mobile Estates (Sacramento) 185 units; Renwick Square (Elk Grove) 150 units.
Lenders with branches in Sacramento, CA
Sacramento, CA lenders by branch count: El Dorado Savings Bank Fsb (Sacramento, CA): stress 59, 8 branches low in Sacramento, CA; Farmers&Merchants Bk Cntl Ca (Sacramento, CA): stress 50, 6 branches low in Sacramento, CA; River City Bank (Sacramento, CA): stress 67, 4 branches moderate in Sacramento, CA; Bank Of Marin (Sacramento, CA): stress 67, 4 branches moderate in Sacramento, CA; Poppy Bank (Sacramento, CA): stress 69, 3 branches moderate in Sacramento, CA; First Northern Bank Of Dixon (Sacramento, CA): stress 64, 3 branches moderate in Sacramento, CA; Five Star Bank (Sacramento, CA): stress 59, 3 branches moderate in Sacramento, CA; Westamerica Bank (Sacramento, CA): stress 52, 3 branches moderate in Sacramento, CA.
Vacancy and permits, Sacramento, CA
27,328 of 598,385 Sacramento, CA housing units are vacant; Sacramento, CA permits, twelve months: 1,567 multifamily units in Sacramento, CA, 4,538 one-to-four unit units.
Work Sacramento, CA at the parcel level
Every Sacramento, CA parcel carries owner and address; every Sacramento, CA parcel carries APN; Sacramento, CA distress scores sit on the Sacramento, CA live board.
Sacramento, CA figures refresh with each source.
Sacramento, CA questions
Most distressed ZIP code in Sacramento County, CA?
ZIP 94571 leads Sacramento, CA at 26/100; next in Sacramento, CA: 95608 at 26/100; the Sacramento, CA average is 26/100.
Where does Sacramento County, CA rank for investment opportunity?
Sacramento, CA is #2,586 among all ranked counties, #37 in California; the Sacramento, CA driver is bank institutional; Sacramento, CA moved up 110 places.
How many mortgages are delinquent in Sacramento County, CA?
0.5% of Sacramento, CA mortgages were ninety-plus days late in December 2025; the Sacramento, CA peak since 2008 was 8.2%.
Which banks lend in Sacramento County, CA?
8 watched lenders hold Sacramento, CA branches; the largest Sacramento, CA footprints are El Dorado Savings Bank Fsb (8), Farmers&Merchants Bk Cntl Ca (6), River City Bank (4).
More on Sacramento, CA
Sacramento County, CA distress report: public-record figures for Sacramento, CA; not legal advice for Sacramento, CA; not tax or investment advice; verify every Sacramento, CA record before acting.