ZIP 95220 Property Distress & Foreclosure Data

In San Joaquin County, California, ZIP 95220 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 55 and live distress 1 on the 0–100 scale. 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.

The market reads contraction — home values fell 1.2% year on year, 1.5% off the recent peak, and 10% higher over three years, at 27/100 phase confidence. A cooling market tends to open discount-to-value windows.

The typical home is worth about $706,600 (6.2× income). 72% of housing is owner-occupied. Vacancy runs 8.0%. At $116,324, median income runs above typical U.S. levels. Around 25% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 40/100. About 7,958 people live here, median age 42. There are about 2,840 housing units across 95220. Rent burden reaches 54% of tenant households. The poverty rate is 4.9% — low.

Net-net, 95220 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.