ZIP 95004 Property Distress & Foreclosure Data

In Monterey County, California, ZIP 95004 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 49 and live distress 3 on the 0–100 scale. Its standout signals are structural risk (49/100), institutional ownership (27/100), construction/permit lag (21/100). By contrast, construction/permit lag (21/100) and mortgage stress (11/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (94/100).

The market reads peak — home values rose 0.9% year on year, and 0% lower over three years, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

75% of housing is owner-occupied. The demographic-stress sub-score lands at 31/100. About 3,917 people live here, median age 41. Vacancy runs 5.8%. There are about 1,677 housing units across 95004. The poverty rate is 3.7% — low. Around 40% of adults hold a bachelor's degree or higher. At $165,781, median income runs above typical U.S. levels. The typical home is worth about $877,300 (5.5× income). Rent burden reaches 22% of tenant households.

Net-net, 95004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.