ZIP 95039 Property Distress & Foreclosure Data

Monterey County, California's ZIP 95039 registers 26/100 composite distress, which DLRadar reads as low. Structural risk reads 57/100 against active distress of 5/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (84/100). The most distinctive pressure shows up in structural risk (57/100), institutional ownership (46/100), mortgage stress (18/100). mortgage stress (18/100) stay muted.

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

The tenure split is 61% owner-occupied to 39% rented. Vacancy runs 22.9%, above the national norm and a classic distress-and-opportunity signal. 1,279 residents call 95039 home, typically aged 44. About 22% have a four-year degree. A median home runs $453,400 here, or 7.6 times local income. Rent burden reaches 30% of tenant households. Households earn a median $58,214 — below the roughly $78,000 national figure. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 395 housing units across 95039. On demographic stress specifically, 95039 scores 47/100.

Taken together, 95039 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.