San Joaquin County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Joaquin County, California? DLRadar grades every San Joaquin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 San Joaquin County breakdown.
- San Joaquin County's most distressed ZIP is 95219 at 25/100.
- 37 ZIP codes tracked in San Joaquin County, averaging 24/100 distress.
- San Joaquin County reads contraction — home values down 2.5% year over year, 2.7% off peak.
- Vacancy runs 7.1% across San Joaquin County's tracked ZIPs, with a 11.7% poverty rate.
- The typical San Joaquin County home is worth about $546,153 against a ~$94,441 median income.
- Lending headwind in San Joaquin County sits at 30/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95219 | 25/100 |
| 2 | 95632 | 25/100 |
| 3 | 95641 | 25/100 |
| 4 | 95202 | 24/100 |
| 5 | 95203 | 24/100 |
| 6 | 95204 | 24/100 |
| 7 | 95205 | 24/100 |
| 8 | 95206 | 24/100 |
| 9 | 95207 | 24/100 |
| 10 | 95209 | 24/100 |
| 11 | 95210 | 24/100 |
| 12 | 95211 | 24/100 |
Most distressed ZIP codes in San Joaquin County (composite distress 0-100, 2026)
What is driving San Joaquin County distress
The San Joaquin County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
San Joaquin County market phase and pricing
DLRadar places San Joaquin County in contraction; prices moved down 2.5% over the year and remain 2.7% under peak. Longer marketing times follow, and with them the sellers worth calling.
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Common questions
Which San Joaquin County ZIP scores worst for distress?
ZIP 95219 leads San Joaquin County at 25/100, recomputed monthly from public records.
What stage of the price cycle is San Joaquin County at?
San Joaquin County currently sits in contraction, with values down 2.5% year on year, based on FHFA price-index trajectory.
How is the San Joaquin County data sourced?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 37 ZIP codes in San Joaquin County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between San Joaquin County ZIP codes?
A county average hides the spread. Across the San Joaquin County ZIPs DLRadar ranks, scores run from 25/100 in 95219 down to 24/100 in 95211, against a San Joaquin County average of 24/100. That 1-point gap is why acquisition targeting in San Joaquin County works at ZIP level rather than county level.
What do San Joaquin County home values and vacancy say about distressed supply?
The typical San Joaquin County home carries about $546,153 of value against a median household income near $94,441. Vacancy across San Joaquin County's tracked ZIPs runs 7.1% and the poverty rate is 11.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside San Joaquin County's foreclosure and lien data and its 30/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.