Stanislaus County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stanislaus County, California? DLRadar grades every Stanislaus County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Stanislaus County breakdown.
- Stanislaus County's most distressed ZIP is 95322 at 25/100.
- 28 ZIP codes tracked in Stanislaus County, averaging 20/100 distress.
- Stanislaus County reads peak — home values up 2.0% year over year.
- Vacancy runs 6.1% across Stanislaus County's tracked ZIPs, with a 12.6% poverty rate.
- The typical Stanislaus County home is worth about $463,963 against a ~$80,798 median income.
- Lending headwind in Stanislaus County sits at 34/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95322 | 25/100 |
| 2 | 95304 | 24/100 |
| 3 | 95230 | 23/100 |
| 4 | 95307 | 20/100 |
| 5 | 95313 | 20/100 |
| 6 | 95316 | 20/100 |
| 7 | 95319 | 20/100 |
| 8 | 95323 | 20/100 |
| 9 | 95326 | 20/100 |
| 10 | 95328 | 20/100 |
| 11 | 95350 | 20/100 |
| 12 | 95351 | 20/100 |
Most distressed ZIP codes in Stanislaus County (composite distress 0-100, 2026)
What is driving Stanislaus County distress
Stanislaus County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Stanislaus County market phase and pricing
Stanislaus County reads peak — home prices rose 2.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Stanislaus County
Stanislaus County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
No card required · full read access to live data for 60 minutes.
Questions about this county
Where is distress highest inside Stanislaus County, CA?
ZIP 95322 leads Stanislaus County at 25/100, recomputed monthly from public records.
Where is Stanislaus County in the housing cycle?
Stanislaus County currently sits in peak, with values up 2.0% year on year, based on FHFA price-index trajectory.
What are the sources behind these Stanislaus County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 28 Stanislaus County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Stanislaus County ZIP codes?
A county average hides the spread. Across the Stanislaus County ZIPs DLRadar ranks, scores run from 25/100 in 95322 down to 20/100 in 95351, against a Stanislaus County average of 20/100. Those 5 points separate the ZIPs worth working in Stanislaus County from the rest.
What do Stanislaus County home values and vacancy say about distressed supply?
The typical Stanislaus County home carries about $463,963 of value against a median household income near $80,798. Vacancy across Stanislaus County's tracked ZIPs runs 6.1% and the poverty rate is 12.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Stanislaus County's foreclosure and lien filings and its 34/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.