ZIP 95045 Property Distress & Foreclosure Data

In San Benito County, California, ZIP 95045 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (74/100), structural risk (45/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted. On the structural side it scores 45/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (87/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 4% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 26% of renters are cost-burdened. 4,291 residents call 95045 home, typically aged 44. The ZIP holds roughly 1,598 housing units. About 28% have a four-year degree. Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 95045 scores 41/100. The vacancy rate is 4.9%. A median home runs $896,700 here, or 7.8 times local income. Households earn a median $106,377 — above the roughly $78,000 national figure. The tenure split is 67% owner-occupied to 33% rented.

Overall, 95045 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.