ZIP 95304 Property Distress & Foreclosure Data

San Joaquin County, California's ZIP 95304 registers 25/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100). The latent-versus-live split is 55/100 structural and 1/100 already moving. The most distinctive pressure shows up in 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 6% higher over three years (phase confidence 27/100). A cooling market tends to open discount-to-value windows.

At $114,359, median income runs above typical U.S. levels. The poverty rate is 5.6% — low. The ZIP holds roughly 5,410 housing units. Around 34% of renters are cost-burdened. Around 29% of adults hold a bachelor's degree or higher. The vacancy rate is 8.2%. 63% of housing is owner-occupied. About 14,818 people live here, median age 38. The demographic-stress sub-score lands at 42/100. The typical home is worth about $893,600 (7.6× income, severely stretched).

Net-net, 95304 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.