San Joaquin County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
San Joaquin County, CA distress report, 2026: 37 ZIPs scored in San Joaquin, CA, San Joaquin, CA average 25/100; the top San Joaquin, CA ZIP is 95202 at 26/100; San Joaquin, CA market phase contraction, San Joaquin, CA prices -2.5% year over year.
- San Joaquin, CA ranks #2,141 nationally (opportunity index); San Joaquin, CA #29 in California; San Joaquin, CA index 27.2.
- San Joaquin, CA ninety-day mortgage delinquency 0.9% in December 2025; San Joaquin, CA twelve-month change +0.1%.
- San Joaquin, CA ZIP phases: 33 contraction, 4 peak.
- San Joaquin, CA residential listings tracked: 269 across 30 ZIPs; San Joaquin, CA candidate listings 69.
- San Joaquin, CA HUD assisted properties: 9 with 841 units.
- San Joaquin, CA lenders on watch: 8; largest San Joaquin, CA footprint Farmers&Merchants Bk Cntl Ca (11 branches).
- San Joaquin, CA most distressed ZIP: 95202 at 26/100.
San Joaquin, CA figures: DLRadar distress index; San Joaquin, CA inputs: CFPB, FHFA, HUD, FDIC; San Joaquin, CA rebuilt as sources refresh.
| Rank | San Joaquin, CA ZIP | Score |
|---|---|---|
| 1 | 95202 | 26/100 |
| 2 | 95203 | 26/100 |
| 3 | 95204 | 26/100 |
| 4 | 95205 | 26/100 |
| 5 | 95206 | 26/100 |
| 6 | 95207 | 26/100 |
| 7 | 95209 | 26/100 |
| 8 | 95210 | 26/100 |
| 9 | 95211 | 26/100 |
| 10 | 95212 | 26/100 |
| 11 | 95215 | 26/100 |
| 12 | 95219 | 26/100 |
Most distressed San Joaquin, CA ZIPs (0-100, 2026)
Mortgage delinquency in San Joaquin, CA
0.9% of San Joaquin, CA mortgages were ninety-plus days late (San Joaquin, CA, December 2025); San Joaquin, CA thirty-to-eighty-nine days late: 2.2%; San Joaquin, CA twelve-month change +0.1%; San Joaquin, CA peak since 2008: 10.7% (February 2010); California overall 0.5%. San Joaquin, CA ninety-day series: Dec 24 0.8, Jan 25 0.6, Feb 25 0.5 (San Joaquin, CA), Mar 25 0.6, Apr 25 0.6, May 25 0.7 (San Joaquin, CA), Jun 25 0.7, Jul 25 0.7, Aug 25 0.8 (San Joaquin, CA), Sep 25 0.8, Oct 25 0.8, Nov 25 0.8 (San Joaquin, CA), Dec 25 0.9.
Opportunity index: San Joaquin, CA
San Joaquin, CA index 27.2, San Joaquin, CA phase weak; San Joaquin, CA primary driver construction, San Joaquin, CA second driver bank institutional. San Joaquin, CA components: property stress 13.9, foreclosure pressure 13.2, listing discounts 26.9, bank stress 62.7, insurance 0.0; San Joaquin, CA pulse 31.1; San Joaquin, CA capital opportunity 21.3; San Joaquin, CA seven-day change +0.1%.
ZIP market phases inside San Joaquin, CA
37 San Joaquin, CA ZIPs carry a price-cycle phase; San Joaquin, CA ZIPs by phase (San Joaquin, CA), deepest drawdown first: contraction, -2.5% YoY, 2.7% off peak (San Joaquin, CA): 95202, 95203, 95204, 95205, San Joaquin, CA 95206, 95207, 95209, 95210, San Joaquin, CA 95211, 95212, 95215, 95220, San Joaquin, CA 95227, 95231, 95237, 95240.
Residential listings by San Joaquin, CA ZIP
San Joaquin, CA ZIPs with the most tracked San Joaquin, CA residential listings: 95219 28 listings, 12 candidates, bank pressure 61; 95207 25 listings, 9 candidates, bank pressure 62; 95209 25 listings, 6 candidates, bank pressure 62; 95337 24 listings, 4 candidates, bank pressure 62 (San Joaquin, CA); 95210 20 listings, 6 candidates, bank pressure 62; 95205 18 listings, 3 candidates, bank pressure 62; 95330 17 listings, 1 candidates, bank pressure 62; 95204 16 listings, 3 candidates, bank pressure 62. San Joaquin, CA totals: 269 listings; San Joaquin, CA candidates 69; active ZIPs 21.
HUD assisted housing in San Joaquin, CA
9 assisted properties with 841 units sit in San Joaquin, CA; largest San Joaquin, CA properties: Village East Apartments (Stockton) 190 units, 190 assisted; Steamboat Landing Apartments (Stockton) 151 units, 150 assisted; Hammer Lane Village (Stockton) 130 units, 130 assisted in San Joaquin, CA; Mariner's Cove (Stockton) 87 units; Eskaton Manteca Manor (Manteca) 84 units, 83 assisted; Stockton Silvercrest (Stockton) 83 units, 82 assisted.
Lenders with branches in San Joaquin, CA
San Joaquin, CA lenders by branch count: Farmers&Merchants Bk Cntl Ca (San Joaquin, CA): stress 50, 11 branches low in San Joaquin, CA; Bank Of Stockton (San Joaquin, CA): stress 6, 8 branches low in San Joaquin, CA; Oak Valley Community Bank (San Joaquin, CA): stress 66, 6 branches low in San Joaquin, CA; Bac Community Bank (San Joaquin, CA): stress 75, 3 branches low in San Joaquin, CA; United Business Bank (San Joaquin, CA): stress 79, 2 branches low in San Joaquin, CA; Community West Bank (San Joaquin, CA): stress 61, 2 branches low in San Joaquin, CA; Citizens Business Bank Na (San Joaquin, CA): stress 50, 2 branches low in San Joaquin, CA; Mechanics Bank (San Joaquin, CA): stress 59, 1 branch low in San Joaquin, CA.
Vacancy and permits, San Joaquin, CA
14,901 of 260,151 San Joaquin, CA housing units are vacant; San Joaquin, CA permits, twelve months: 0 multifamily units in San Joaquin, CA, 2,484 one-to-four unit units.
Work San Joaquin, CA at the parcel level
Every San Joaquin, CA parcel carries owner and address; every San Joaquin, CA parcel carries APN; San Joaquin, CA distress scores sit on the San Joaquin, CA live board.
San Joaquin, CA figures refresh with each source.
San Joaquin, CA questions
Most distressed ZIP code in San Joaquin County, CA?
ZIP 95202 leads San Joaquin, CA at 26/100; next in San Joaquin, CA: 95203 at 26/100; the San Joaquin, CA average is 25/100.
Where does San Joaquin County, CA rank for investment opportunity?
San Joaquin, CA is #2,141 among all ranked counties, #29 in California; the San Joaquin, CA driver is construction; San Joaquin, CA moved down 92 places.
How many mortgages are delinquent in San Joaquin County, CA?
0.9% of San Joaquin, CA mortgages were ninety-plus days late in December 2025; the San Joaquin, CA peak since 2008 was 10.7%.
Which banks lend in San Joaquin County, CA?
8 watched lenders hold San Joaquin, CA branches; the largest San Joaquin, CA footprints are Farmers&Merchants Bk Cntl Ca (11), Bank Of Stockton (8), Oak Valley Community Bank (6).
More on San Joaquin, CA
San Joaquin County, CA distress report: public-record figures for San Joaquin, CA; not legal advice for San Joaquin, CA; not tax or investment advice; verify every San Joaquin, CA record before acting.