ZIP 95205 Property Distress & Foreclosure Data

San Joaquin County, California's ZIP 95205 registers 25/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100). The latent-versus-live split is 55/100 structural and 1/100 already moving. The most distinctive pressure shows up in 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.

The market reads contraction — home values fell 1.2% year on year, 1.5% off the recent peak, and 9% higher over three years (phase confidence 27/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 11,707 housing units. The typical home is worth about $324,200 (5.0× income). The demographic-stress sub-score lands at 45/100. Around 50% of renters are cost-burdened. The poverty rate is 24.0% — high, a tax-stress and distress correlate. Around 5% of adults hold a bachelor's degree or higher. At $58,138, median income runs below typical U.S. levels. About 39,154 people live here, median age 31. The vacancy rate is 9.3%. 50% of housing is owner-occupied.

Net-net, 95205 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.