ZIP 95205 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · High Poverty market
On DLRadar's 0-100 distress scale, ZIP 95205 in San Joaquin County, California comes in at 26, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (60/100). Structural risk reads 59/100 against active distress of 1/100. Leading the profile are construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (4/100).
The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 9% higher over three years (phase confidence 36/100). Falling values surface more motivated sellers and below-market exits.
The ZIP holds roughly 11,707 housing units. Home values center near $324,200, an affordability ratio of 5.0×. The demographic-stress sub-score lands at 45/100. Rent burden reaches 50% of tenant households. Roughly 24.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 5% bachelor's-or-above. Median household income is $58,138, below the U.S. median near $78,000. About 39,154 people live here, median age 31. Vacancy runs 9.3%. Owners hold 50% of homes, renters 50%.
Taken together, 95205 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95205 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 95205 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. 95205 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 26/100 figure for 95205 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 95205 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 95205 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
95205 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 95205, the same set carried on every parcel.
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Unlock parcel-level detail for ZIP 95205
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No modelling: every input is a public record · methodology