Tuolumne County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Tuolumne County, CA distress report, 2026: 17 ZIPs scored in Tuolumne, CA, Tuolumne, CA average 26/100; the top Tuolumne, CA ZIP is 95311 at 29/100; Tuolumne, CA market phase peak, Tuolumne, CA prices +0.4% year over year.
- Tuolumne, CA ranks #554 nationally (opportunity index); Tuolumne, CA #6 in California; Tuolumne, CA index 33.1.
- Tuolumne, CA: no CFPB county sample; Tuolumne, CA non-metro area reading 0.6%.
- Tuolumne, CA ZIP phases: 15 peak, 2 contraction.
- Tuolumne, CA residential listings tracked: 70 across 14 ZIPs; Tuolumne, CA candidate listings 58.
- Tuolumne, CA HUD assisted properties: 1 with 7 units.
- Tuolumne, CA lenders on watch: 5; largest Tuolumne, CA footprint Oak Valley Community Bank (2 branches).
- Tuolumne, CA most distressed ZIP: 95311 at 29/100.
Tuolumne, CA figures: DLRadar distress index; Tuolumne, CA inputs: CFPB, FHFA, HUD, FDIC; Tuolumne, CA rebuilt as sources refresh.
| Rank | Tuolumne, CA ZIP | Score |
|---|---|---|
| 1 | 95311 | 29/100 |
| 2 | 95389 | 29/100 |
| 3 | 95305 | 27/100 |
| 4 | 95309 | 27/100 |
| 5 | 95310 | 27/100 |
| 6 | 95321 | 27/100 |
| 7 | 95327 | 27/100 |
| 8 | 95335 | 27/100 |
| 9 | 95346 | 27/100 |
| 10 | 95364 | 27/100 |
| 11 | 95370 | 27/100 |
| 12 | 95372 | 27/100 |
Most distressed Tuolumne, CA ZIPs (0-100, 2026)
Mortgage delinquency around Tuolumne, CA
No CFPB county sample covers Tuolumne, CA; the non-metro area reading for Tuolumne, CA: 0.6% ninety-plus; Tuolumne, CA area thirty-to-eighty-nine 1.7% (December 2025, Tuolumne, CA); California overall 0.5%.
Opportunity index: Tuolumne, CA
Tuolumne, CA index 33.1, Tuolumne, CA phase peak_opportunity; Tuolumne, CA primary driver vacancy, Tuolumne, CA second driver construction. Tuolumne, CA components: property stress 25.8, foreclosure pressure 29.7, listing discounts 30.4, bank stress 45.9, insurance 0.0; Tuolumne, CA pulse 36.3; Tuolumne, CA capital opportunity 28.2.
ZIP market phases inside Tuolumne, CA
17 Tuolumne, CA ZIPs carry a price-cycle phase; Tuolumne, CA ZIPs by phase (Tuolumne, CA), deepest drawdown first: contraction, -0.3% YoY, 0.3% off peak (Tuolumne, CA): 95311; contraction, -0.2% YoY, 0.3% off peak (Tuolumne, CA): 95389; peak, +0.3% YoY, 0.2% off peak (Tuolumne, CA): 95223; peak, +0.4% YoY, 0.2% off peak (Tuolumne, CA): 95321, 95305, 95309, 95310, Tuolumne, CA 95327, 95335, 95346, 95364, Tuolumne, CA 95370, 95372, 95375, 95379, Tuolumne, CA 95383.
Residential listings by Tuolumne, CA ZIP
Tuolumne, CA ZIPs with the most tracked Tuolumne, CA residential listings: 95321 18 listings, 17 candidates, bank pressure 57; 95370 17 listings, 13 candidates, bank pressure 57; 95329 10 listings, 10 candidates, bank pressure 58; 95346 7 listings, 7 candidates, bank pressure 57 (Tuolumne, CA); 95383 5 listings, 2 candidates, bank pressure 57; 95379 4 listings, 4 candidates, bank pressure 57; 95310 3 listings, 3 candidates, bank pressure 57; 95327 3 listings, 0 candidates, bank pressure 57. Tuolumne, CA totals: 70 listings; Tuolumne, CA candidates 58; active ZIPs 2.
HUD assisted housing in Tuolumne, CA
1 assisted properties with 7 units sit in Tuolumne, CA; largest Tuolumne, CA properties: Kelso Court Group Home (Sonora) 7 units, 6 assisted.
Lenders with branches in Tuolumne, CA
Tuolumne, CA lenders by branch count: Oak Valley Community Bank (Tuolumne, CA): stress 66, 2 branches low in Tuolumne, CA; Mechanics Bank (Tuolumne, CA): stress 59, 1 branch low in Tuolumne, CA; El Dorado Savings Bank Fsb (Tuolumne, CA): stress 59, 1 branch low in Tuolumne, CA; Westamerica Bank (Tuolumne, CA): stress 52, 1 branch low in Tuolumne, CA; Bank Of Stockton (Tuolumne, CA): stress 6, 1 branch low in Tuolumne, CA.
Vacancy and permits, Tuolumne, CA
8,899 of 31,589 Tuolumne, CA housing units are vacant; Tuolumne, CA permits, twelve months: 0 multifamily units in Tuolumne, CA, 60 one-to-four unit units.
Work Tuolumne, CA at the parcel level
Every Tuolumne, CA parcel carries owner and address; every Tuolumne, CA parcel carries APN; Tuolumne, CA distress scores sit on the Tuolumne, CA live board.
Tuolumne, CA figures refresh with each source.
Tuolumne, CA questions
Most distressed ZIP code in Tuolumne County, CA?
ZIP 95311 leads Tuolumne, CA at 29/100; next in Tuolumne, CA: 95389 at 29/100; the Tuolumne, CA average is 26/100.
Where does Tuolumne County, CA rank for investment opportunity?
Tuolumne, CA is #554 among all ranked counties, #6 in California; the Tuolumne, CA driver is vacancy; Tuolumne, CA moved up 263 places.
How many mortgages are delinquent in Tuolumne County, CA?
Tuolumne, CA takes the non-metro area reading of 0.6% for December 2025; no CFPB county sample covers Tuolumne, CA.
Which banks lend in Tuolumne County, CA?
5 watched lenders hold Tuolumne, CA branches; the largest Tuolumne, CA footprints are Oak Valley Community Bank (2), Mechanics Bank (1), El Dorado Savings Bank Fsb (1).
More on Tuolumne, CA
Tuolumne County, CA distress report: public-record figures for Tuolumne, CA; not legal advice for Tuolumne, CA; not tax or investment advice; verify every Tuolumne, CA record before acting.