ZIP 95317 Property Distress & Foreclosure Data

Composite property distress in 95317 (Merced County, California) lands at 19/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (68/100)). On the structural side it scores 42/100, with 2/100 of stress already active.

The contraction-phase market in 95317 posted values that fell 1.2% over the year, 1.3% off the recent peak (phase confidence 64/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 287 housing units. Around 37% of renters are cost-burdened. Median household income is $57,438, below the U.S. median near $78,000. Educational attainment sits at 7% bachelor's-or-above. 11.1% of residents fall below the poverty threshold. The vacancy rate is 6.9%. Population is roughly 936 with a median age of 33. Home values center near $366,700, an affordability ratio of 6.9×. DLRadar's demographic-stress index for the area reads 47/100. Owners hold 28% of homes, renters 72%.

On the whole, 95317 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.