Stanislaus County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stanislaus County, CA distress report, 2026: 28 ZIPs scored in Stanislaus, CA, Stanislaus, CA average 20/100; the top Stanislaus, CA ZIP is 95304 at 26/100; Stanislaus, CA market phase peak, Stanislaus, CA prices +2.0% year over year.
- Stanislaus, CA ranks #3,152 nationally (opportunity index); Stanislaus, CA #54 in California; Stanislaus, CA index 21.3.
- Stanislaus, CA ninety-day mortgage delinquency 0.6% in December 2025; Stanislaus, CA twelve-month change +0.1%.
- Stanislaus, CA ZIP phases: 26 peak, 2 contraction.
- Stanislaus, CA residential listings tracked: 168 across 25 ZIPs; Stanislaus, CA candidate listings 57.
- Stanislaus, CA HUD assisted properties: 10 with 1,131 units.
- Stanislaus, CA lenders on watch: 8; largest Stanislaus, CA footprint Oak Valley Community Bank (7 branches).
- Stanislaus, CA most distressed ZIP: 95304 at 26/100.
Stanislaus, CA figures: DLRadar distress index; Stanislaus, CA inputs: CFPB, FHFA, HUD, FDIC; Stanislaus, CA rebuilt as sources refresh.
| Rank | Stanislaus, CA ZIP | Score |
|---|---|---|
| 1 | 95304 | 26/100 |
| 2 | 95322 | 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 Stanislaus, CA ZIPs (0-100, 2026)
Mortgage delinquency in Stanislaus, CA
0.6% of Stanislaus, CA mortgages were ninety-plus days late (Stanislaus, CA, December 2025); Stanislaus, CA thirty-to-eighty-nine days late: 2.1%; Stanislaus, CA twelve-month change +0.1%; Stanislaus, CA peak since 2008: 10.4% (January 2010); California overall 0.5%. Stanislaus, CA ninety-day series: Dec 24 0.5, Jan 25 0.7, Feb 25 0.7 (Stanislaus, CA), Mar 25 0.6, Apr 25 0.5, May 25 0.4 (Stanislaus, CA), Jun 25 0.5, Jul 25 0.5, Aug 25 0.7 (Stanislaus, CA), Sep 25 0.6, Oct 25 0.6, Nov 25 0.7 (Stanislaus, CA), Dec 25 0.6.
Opportunity index: Stanislaus, CA
Stanislaus, CA index 21.3, Stanislaus, CA phase weak; Stanislaus, CA primary driver bank institutional, Stanislaus, CA second driver listings discount. Stanislaus, CA components: property stress 10.0, foreclosure pressure 10.4, listing discounts 24.6, bank stress 53.6, insurance 0.0; Stanislaus, CA pulse 21.3; Stanislaus, CA capital opportunity 21.2.
ZIP market phases inside Stanislaus, CA
28 Stanislaus, CA ZIPs carry a price-cycle phase; Stanislaus, CA ZIPs by phase (Stanislaus, CA), deepest drawdown first: contraction, -1.0% YoY, 3.3% off peak (Stanislaus, CA): 95322; contraction, -2.5% YoY, 2.7% off peak (Stanislaus, CA): 95304; peak, +1.2% YoY, 0.8% off peak (Stanislaus, CA): 95360, 95380; peak, +1.3% YoY, 0.8% off peak (Stanislaus, CA): 95316; peak, +0.3% YoY, 0.7% off peak (Stanislaus, CA): 95230; peak, +0.9% YoY, 0.1% off peak (Stanislaus, CA): 95329; peak, +1.9% YoY, 0.1% off peak (Stanislaus, CA): 95361, 95385; peak, +2.0% YoY (Stanislaus, CA): 95307, 95313, 95319, 95323, Stanislaus, CA 95326, 95328, 95350.
Residential listings by Stanislaus, CA ZIP
Stanislaus, CA ZIPs with the most tracked Stanislaus, CA residential listings: 95363 38 listings, 10 candidates, bank pressure 59; 95350 21 listings, 7 candidates, bank pressure 59; 95355 17 listings, 5 candidates, bank pressure 59; 95307 13 listings, 7 candidates, bank pressure 59 (Stanislaus, CA); 95354 13 listings, 4 candidates, bank pressure 59; 95356 11 listings, 7 candidates, bank pressure 59; 95358 8 listings, 3 candidates, bank pressure 59; 95361 7 listings, 4 candidates, bank pressure 60. Stanislaus, CA totals: 168 listings; Stanislaus, CA candidates 57; active ZIPs 19.
HUD assisted housing in Stanislaus, CA
10 assisted properties with 1,131 units sit in Stanislaus, CA; largest Stanislaus, CA properties: Brentwood Apts (Turlock) 242 units; Marple Manor (Modesto) 146 units, 145 assisted; El Casa Verde (Modesto) 142 units, 142 assisted in Stanislaus, CA; Ashwood Village (Modesto) 120 units; Carmel Woods (Modesto) 120 units; Colonial Farms (Modesto) 100 units, 100 assisted.
Lenders with branches in Stanislaus, CA
Stanislaus, CA lenders by branch count: Oak Valley Community Bank (Stanislaus, CA): stress 66, 7 branches low in Stanislaus, CA; Farmers&Merchants Bk Cntl Ca (Stanislaus, CA): stress 50, 6 branches low in Stanislaus, CA; Westamerica Bank (Stanislaus, CA): stress 52, 4 branches low in Stanislaus, CA; Bank Of Stockton (Stanislaus, CA): stress 6, 4 branches low in Stanislaus, CA; Mechanics Bank (Stanislaus, CA): stress 59, 3 branches low in Stanislaus, CA; Tri Counties Bank (Stanislaus, CA): stress 49, 3 branches low in Stanislaus, CA; Bac Community Bank (Stanislaus, CA): stress 75, 1 branch low in Stanislaus, CA; Community West Bank (Stanislaus, CA): stress 61, 1 branch low in Stanislaus, CA.
Vacancy and permits, Stanislaus, CA
7,275 of 185,149 Stanislaus, CA housing units are vacant; Stanislaus, CA permits, twelve months: 383 multifamily units in Stanislaus, CA, 1,127 one-to-four unit units.
Work Stanislaus, CA at the parcel level
Every Stanislaus, CA parcel carries owner and address; every Stanislaus, CA parcel carries APN; Stanislaus, CA distress scores sit on the Stanislaus, CA live board.
Stanislaus, CA figures refresh with each source.
Stanislaus, CA questions
Most distressed ZIP code in Stanislaus County, CA?
ZIP 95304 leads Stanislaus, CA at 26/100; next in Stanislaus, CA: 95322 at 24/100; the Stanislaus, CA average is 20/100.
Where does Stanislaus County, CA rank for investment opportunity?
Stanislaus, CA is #3,152 among all ranked counties, #54 in California; the Stanislaus, CA driver is bank institutional; Stanislaus, CA moved up 31 places.
How many mortgages are delinquent in Stanislaus County, CA?
0.6% of Stanislaus, CA mortgages were ninety-plus days late in December 2025; the Stanislaus, CA peak since 2008 was 10.4%.
Which banks lend in Stanislaus County, CA?
8 watched lenders hold Stanislaus, CA branches; the largest Stanislaus, CA footprints are Oak Valley Community Bank (7), Farmers&Merchants Bk Cntl Ca (6), Westamerica Bank (4).
More on Stanislaus, CA
Stanislaus County, CA distress report: public-record figures for Stanislaus, CA; not legal advice for Stanislaus, CA; not tax or investment advice; verify every Stanislaus, CA record before acting.