ZIP 95301 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95301 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (68/100). Its standout signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Structural exposure scores 42 and live distress 2 on the 0–100 scale.

The market reads contraction — home values fell 1.2% year on year, 1.3% off the recent peak, and 9% higher over three years, at 64/100 phase confidence. A cooling market tends to open discount-to-value windows.

The typical home is worth about $390,900 (5.5× income). 57% of housing is owner-occupied. About 42,374 people live here, median age 35. Around 16% of adults hold a bachelor's degree or higher. Vacancy runs 2.2%. There are about 12,831 housing units across 95301. Rent burden reaches 43% of tenant households. At $66,669, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 41/100. The poverty rate is 17.6% — high, a tax-stress and distress correlate.

Net-net, 95301 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.