ZIP 93638 Foreclosure, Tax-Lien & Distress Report

ZIP 93638's composite property-distress score is 24/100 - DLRadar classes that as low for Madera County, California. Climate and flood risk are elevated too — climate & FEMA risk (95/100). Structurally it carries 54/100, against 1/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (98/100), structural risk (54/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The peak-phase market in 93638 posted values that rose 1.2% over the year, 2.2% off the recent peak, and 18% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Households earn a median $60,031 — below the roughly $78,000 national figure. Educational attainment sits at 8% bachelor's-or-above. Around 48% of renters are cost-burdened. On demographic stress specifically, 93638 scores 44/100. Roughly 26.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 51,502 people live here, median age 29. There are about 12,729 housing units across 93638. The vacancy rate is 5.5%. 54% of housing is owner-occupied. A median home runs $325,100 here, or 4.9 times local income.

Net-net, 93638 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 93638 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 93638 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Madera County, California and the nation. Nothing here is interpolated — where a source is thin for 93638, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 93638 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. For a buyer, 93638 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.