ZIP 95320 Property Distress & Foreclosure Data

DLRadar grades ZIP 95320 (San Joaquin County, California) at a low 25/100 for overall property distress. Property-level stress concentrates in construction/permit lag (82/100), structural risk (55/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (99/100)). On the structural side it scores 55/100, with 1/100 of stress already active.

The contraction-phase market in 95320 posted values that fell 1.2% over the year, 1.5% off the recent peak, and 6% higher over three years (phase confidence 27/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $86,612, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 37/100. The vacancy rate is 9.3%. Around 30% of renters are cost-burdened. Educational attainment sits at 19% bachelor's-or-above. Owners hold 74% of homes, renters 26%. The ZIP holds roughly 5,037 housing units. Home values center near $521,900, an affordability ratio of 5.7×. 13.1% of residents fall below the poverty threshold. Population is roughly 13,511 with a median age of 36.

On the whole, 95320 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.