ZIP 95315 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95315 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 42/100 structural and 2/100 already moving.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 1.3% off the recent peak, and 3% higher over three years (phase confidence 64/100). Falling values surface more motivated sellers and below-market exits.

Households earn a median $67,868 — below the roughly $78,000 national figure. Around 49% of renters are cost-burdened. The vacancy rate is 3.3%. About 14% have a four-year degree. Roughly 15.9% live below the poverty line. The tenure split is 70% owner-occupied to 30% rented. A median home runs $349,600 here, or 5.0 times local income. On demographic stress specifically, 95315 scores 40/100. The ZIP holds roughly 3,819 housing units. 13,006 residents call 95315 home, typically aged 32.

Taken together, 95315 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.