ZIP 95202 Property Distress & Foreclosure Data

In San Joaquin County, California, ZIP 95202 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100). Its standout signals are construction/permit lag (82/100), structural risk (55/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low. Structural exposure scores 55 and live distress 1 on the 0–100 scale.

The market reads contraction — home values fell 1.2% year on year, 1.5% off the recent peak, and 54% higher over three years, at 27/100 phase confidence. A cooling market tends to open discount-to-value windows.

About 6,426 people live here, median age 36. The typical home is worth about $377,400 (13.4× income, severely stretched). There are about 4,071 housing units across 95202. 6% of housing is owner-occupied. Around 17% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 64/100. Vacancy runs 19.8%, above the national norm and a classic distress-and-opportunity signal. At $23,954, median income runs below typical U.S. levels. The poverty rate is 35.6% — high, a tax-stress and distress correlate. Rent burden reaches 48% of tenant households.

Net-net, 95202 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.