Merced County, CA: Foreclosures, Tax Liens & Distressed Properties

Merced County, CA, California: 24 ZIP codes scored, Merced County, CA averaging 24/100 (low, Merced, CA), from 20 to 25. Merced County, CA is in its contraction phase (Merced, CA confidence 17/100): Merced, CA home prices down 1.1% (Merced, CA) over twelve months, 3.3% under their peak. Merced County, CA lender headwind: 31/100.

Highest-scoring Merced County, CA ZIPs: 93610 (25/100), 93635 (25/100), 93665 (25/100), 95301 (25/100), 95303 (25/100), 95312 (25/100). Also scored in Merced County, CA: 95315, 95317, 95324, 95333, 95334, 95340, 95341, 95348, 95365, 95369.

Across Merced County, CA's scored ZIPs: median home value $389,573, household income $65,918, 6.5% vacancy, 16.8% poverty, 54% owner-occupied, median age 35.0.

Merced County, CA insurance distress 23/100 (#2,014 in the US); FEMA hazard 0/100 for Merced, CA; 9 Merced, CA NFIP flood claims, $39K paid; Merced, CA construction distress 51/100.

10 banks with 25 branches lend in Merced County, CA; Merced, CA weighted bank stress 60/100, highest 74/100 in Merced, CA.

Merced County, CA unemployment 8.9% (Merced, CA -2.0 pts, six months); 541 new housing units permitted in Merced County, CA over twelve months, Merced, CA down 3% from 560; Merced, CA home prices +7.4% a year (Merced, CA) over three years.

90,872 housing units in Merced County, CA; 39,508 Merced, CA renter households; 45% of Merced, CA renters spend 30%+ of income on rent, 23% (Merced, CA) half or more.

Merced County, CA ranks #2,709 nationally on the opportunity index (Merced, CA, among all ranked counties); Merced, CA scores 24.9/100 and Merced, CA sits #41 inside California. Merced, CA is in the weak opportunity phase; Merced, CA's primary driver is bank institutional, Merced, CA second driver construction; Merced, CA moved up 163 places. 25 short-sale listings across Merced, CA; 66 days on market observed in Merced, CA; 5.4% vacancy over 24 Merced, CA ZIPs.

1.0% of Merced County, CA mortgages were ninety-plus days late in December 2025; Merced, CA's thirty-to-eighty-nine-day share was 1.9% (CFPB county sample). Merced, CA's ninety-day rate is up 0.2 points on twelve months earlier; the Merced, CA peak since 2008 was 11.9% in February 2010; California overall reads 0.5%.

Merced County, CA has 5 watched banks; 5 Merced, CA banks sit in an elevated band. Merced, CA footprints: Westamerica Bank (7 branches, stress 52) in Merced, CA; Mechanics Bank (3 branches, stress 59) in Merced, CA; Farmers&Merchants Bk Cntl Ca (2 branches, stress 50) in Merced, CA.

HUD lists 2 assisted multifamily properties in Merced County, CA with 270 units.

4,817 of the 90,872 housing units in Merced, CA sit vacant. Merced County, CA permitted 0 multifamily units in twelve months; Merced, CA's one-to-four unit structures added 541 units in Merced County, CA.