ZIP 95319 Property Distress & Foreclosure Data

ZIP code 95319 in Stanislaus County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (37/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 53/100 structural and 2/100 already moving.

The market reads peak — home values rose 1.5% year on year (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

At $44,904, median income runs below typical U.S. levels. Around 10% of adults hold a bachelor's degree or higher. The vacancy rate is 4.1%. About 1,580 people live here, median age 37. The poverty rate is 24.8% — high, a tax-stress and distress correlate. The typical home is worth about $354,100 (7.3× income, severely stretched). The demographic-stress sub-score lands at 47/100. 45% of housing is owner-occupied. Around 26% of renters are cost-burdened. The ZIP holds roughly 529 housing units.

Net-net, 95319 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.