ZIP 95209 Property Distress & Foreclosure Data

Composite property distress in 95209 (San Joaquin County, California) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (82/100), structural risk (55/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (99/100)). The latent-versus-live split is 55/100 structural and 1/100 already moving.

The contraction-phase market in 95209 posted values that fell 1.2% over the year, 1.5% off the recent peak, and 1% higher over three years (phase confidence 27/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $106,056, above the U.S. median near $78,000. Around 41% of renters are cost-burdened. Home values center near $494,900, an affordability ratio of 4.4×. Population is roughly 46,567 with a median age of 37. DLRadar's demographic-stress index for the area reads 33/100. The vacancy rate is 3.3%. Educational attainment sits at 25% bachelor's-or-above. Owners hold 74% of homes, renters 26%. 7.6% of residents fall below the poverty threshold. The ZIP holds roughly 14,106 housing units.

On the whole, 95209 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.