ZIP 95212 Property Distress & Foreclosure Data

DLRadar grades ZIP 95212 (San Joaquin County, California) at a low 25/100 for overall property distress. Property-level stress concentrates in 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 95212 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.

Educational attainment sits at 31% bachelor's-or-above. 7.0% of residents fall below the poverty threshold. Median household income is $104,078, above the U.S. median near $78,000. The vacancy rate is 3.7%. Around 35% of renters are cost-burdened. The ZIP holds roughly 8,357 housing units. Population is roughly 28,013 with a median age of 38. DLRadar's demographic-stress index for the area reads 33/100. Home values center near $538,500, an affordability ratio of 4.8×. Owners hold 74% of homes, renters 26%.

On the whole, 95212 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.