ZIP 95012 Property Distress & Foreclosure Data

ZIP code 95012 in Monterey County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (57/100), institutional ownership (46/100), mortgage stress (18/100). mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (84/100). On the structural side it scores 57/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 14% higher over three years (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $79,903 — near the roughly $78,000 national figure. 11,147 residents call 95012 home, typically aged 28. The ZIP holds roughly 2,735 housing units. About 8% have a four-year degree. Roughly 12.2% live below the poverty line. The vacancy rate is 6.5%. On demographic stress specifically, 95012 scores 50/100. A median home runs $598,900 here, or 7.9 times local income. Around 34% of renters are cost-burdened. The tenure split is 46% owner-occupied to 54% rented.

Overall, 95012 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.