ZIP 95322 Property Distress & Foreclosure Data

Merced County, California's ZIP 95322 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (43/100), institutional ownership (16/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and construction/permit lag (2/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 43/100 structural and 2/100 already moving.

The market reads contraction — home values fell 1.1% year on year, 1.3% off the recent peak, and 10% higher over three years (phase confidence 62/100). A cooling market tends to open discount-to-value windows.

Around 9% of adults hold a bachelor's degree or higher. The poverty rate is 5.7% — low. The vacancy rate is 15.1% — elevated. Around 30% of renters are cost-burdened. The typical home is worth about $444,100 (6.8× income). About 9,013 people live here, median age 39. At $64,104, median income runs below typical U.S. levels. The ZIP holds roughly 3,985 housing units. The demographic-stress sub-score lands at 42/100. 54% of housing is owner-occupied.

Net-net, 95322 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.