Sutter County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sutter County, CA distress report, 2026: 14 ZIPs scored in Sutter, CA, Sutter, CA average 23/100; the top Sutter, CA ZIP is 95948 at 33/100; Sutter, CA market phase peak, Sutter, CA prices +0.6% year over year.
- Sutter, CA ranks #2,818 nationally (opportunity index); Sutter, CA #46 in California; Sutter, CA index 24.3.
- Sutter, CA: no CFPB county sample; Sutter, CA metro area reading 0.7%.
- Sutter, CA ZIP phases: 10 peak, 4 contraction.
- Sutter, CA residential listings tracked: 27 across 9 ZIPs; Sutter, CA candidate listings 14.
- Sutter, CA lenders on watch: 6; largest Sutter, CA footprint River Valley Community Bank (1 branch).
- Sutter, CA most distressed ZIP: 95948 at 33/100.
Sutter, CA figures: DLRadar distress index; Sutter, CA inputs: CFPB, FHFA, HUD, FDIC; Sutter, CA rebuilt as sources refresh.
| Rank | Sutter, CA ZIP | Score |
|---|---|---|
| 1 | 95948 | 33/100 |
| 2 | 95626 | 26/100 |
| 3 | 95837 | 26/100 |
| 4 | 95692 | 24/100 |
| 5 | 95668 | 23/100 |
| 6 | 95659 | 22/100 |
| 7 | 95674 | 22/100 |
| 8 | 95676 | 22/100 |
| 9 | 95953 | 22/100 |
| 10 | 95957 | 22/100 |
| 11 | 95982 | 22/100 |
| 12 | 95991 | 22/100 |
Most distressed Sutter, CA ZIPs (0-100, 2026)
Mortgage delinquency around Sutter, CA
No CFPB county sample covers Sutter, CA; the metro area reading for Sutter, CA (Yuba City, CA): 0.7% ninety-plus; Sutter, CA area thirty-to-eighty-nine 1.8% (December 2025, Sutter, CA); California overall 0.5%.
Opportunity index: Sutter, CA
Sutter, CA index 24.3, Sutter, CA phase weak; Sutter, CA primary driver bank institutional, Sutter, CA second driver listings discount. Sutter, CA components: property stress 14.0, foreclosure pressure 15.4, listing discounts 30.7, bank stress 55.1, insurance 0.0; Sutter, CA pulse 24.4; Sutter, CA capital opportunity 24.1; Sutter, CA seven-day change +0.1%.
ZIP market phases inside Sutter, CA
14 Sutter, CA ZIPs carry a price-cycle phase; Sutter, CA ZIPs by phase (Sutter, CA), deepest drawdown first: contraction, -2.4% YoY, 2.4% off peak (Sutter, CA): 95948; peak, +0.6% YoY, 2.0% off peak (Sutter, CA): 95659, 95674, 95676, 95692, Sutter, CA 95953, 95982, 95991, 95993; peak, +0.5% YoY, 1.9% off peak (Sutter, CA): 95957; peak, +0.2% YoY, 1.6% off peak (Sutter, CA): 95668; contraction, -0.1% YoY, 1.1% off peak (Sutter, CA): 95645; contraction, -0.3% YoY, 0.9% off peak (Sutter, CA): 95626; contraction, -0.4% YoY, 0.8% off peak (Sutter, CA): 95837.
Residential listings by Sutter, CA ZIP
Sutter, CA ZIPs with the most tracked Sutter, CA residential listings: 95991 14 listings, 6 candidates, bank pressure 60; 95993 11 listings, 8 candidates, bank pressure 60; 95668 1 listings, 0 candidates, bank pressure 63; 95953 1 listings, 0 candidates, bank pressure 60 (Sutter, CA); 95659 0 listings, 0 candidates, bank pressure 60; 95674 0 listings, 0 candidates, bank pressure 60; 95676 0 listings, 0 candidates, bank pressure 60; 95957 0 listings, 0 candidates, bank pressure 60. Sutter, CA totals: 27 listings; Sutter, CA candidates 14; active ZIPs 4.
Lenders with branches in Sutter, CA
Sutter, CA lenders by branch count: River Valley Community Bank (Sutter, CA): stress 85, 1 branch low in Sutter, CA; Mechanics Bank (Sutter, CA): stress 59, 1 branch low in Sutter, CA; Five Star Bank (Sutter, CA): stress 59, 1 branch low in Sutter, CA; Citizens Business Bank Na (Sutter, CA): stress 50, 1 branch low in Sutter, CA; Tri Counties Bank (Sutter, CA): stress 49, 1 branch low in Sutter, CA; Plumas Bank (Sutter, CA): stress 46, 1 branch low in Sutter, CA.
Vacancy and permits, Sutter, CA
1,506 of 34,798 Sutter, CA housing units are vacant; Sutter, CA permits, twelve months: 225 multifamily units in Sutter, CA, 193 one-to-four unit units.
Work Sutter, CA at the parcel level
Every Sutter, CA parcel carries owner and address; every Sutter, CA parcel carries APN; Sutter, CA distress scores sit on the Sutter, CA live board.
Sutter, CA figures refresh with each source.
Sutter, CA questions
Most distressed ZIP code in Sutter County, CA?
ZIP 95948 leads Sutter, CA at 33/100; next in Sutter, CA: 95626 at 26/100; the Sutter, CA average is 23/100.
Where does Sutter County, CA rank for investment opportunity?
Sutter, CA is #2,818 among all ranked counties, #46 in California; the Sutter, CA driver is bank institutional; Sutter, CA moved up 276 places.
How many mortgages are delinquent in Sutter County, CA?
Sutter, CA takes the metro area reading of 0.7% for December 2025; no CFPB county sample covers Sutter, CA.
Which banks lend in Sutter County, CA?
6 watched lenders hold Sutter, CA branches; the largest Sutter, CA footprints are River Valley Community Bank (1), Mechanics Bank (1), Five Star Bank (1).
More on Sutter, CA
Sutter County, CA distress report: public-record figures for Sutter, CA; not legal advice for Sutter, CA; not tax or investment advice; verify every Sutter, CA record before acting.