Sutter County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Sutter County, California? DLRadar grades every Sutter County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Sutter County breakdown.
- Sutter County's most distressed ZIP is 95948 at 33/100.
- 14 ZIP codes tracked in Sutter County, averaging 24/100 distress.
- Sutter County reads peak — home values up 0.6% year over year, 2.0% off peak.
- Vacancy runs 9.6% across Sutter County's tracked ZIPs, with a 14.5% poverty rate.
- The typical Sutter County home is worth about $509,146 against a ~$76,297 median income.
- Lending headwind in Sutter County sits at 33/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95948 | 33/100 |
| 2 | 95692 | 26/100 |
| 3 | 95837 | 26/100 |
| 4 | 95626 | 25/100 |
| 5 | 95668 | 25/100 |
| 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 ZIP codes in Sutter County (composite distress 0-100, 2026)
What is driving Sutter County distress
Sutter County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Sutter County market phase and pricing
The cycle in Sutter County is peak, with values up 0.6% year over year and 2.0% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Sutter County
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Frequently asked
Which ZIP code leads Sutter County on distress?
ZIP 95948 leads Sutter County at 33/100, recomputed monthly from public records.
Where is Sutter County in the housing cycle?
Sutter County is classified peak with a 0.6% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Sutter County numbers?
Every Sutter County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 14 Sutter County ZIP codes that it runs on every other U.S. county, so Sutter County's numbers are directly comparable to any other market.
How much do distress scores vary between Sutter County ZIP codes?
A single county score papers over real variation. Across the Sutter County ZIPs DLRadar ranks, scores run from 33/100 in 95948 down to 22/100 in 95991, against a Sutter County average of 24/100. The 11-point range is the argument for ZIP-level search across Sutter County.
What do Sutter County home values and vacancy say about distressed supply?
The typical Sutter County home carries about $509,146 of value against a median household income near $76,297. Vacancy across Sutter County's tracked ZIPs runs 9.6% and the poverty rate is 14.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Sutter County's filings and its 33/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.