ZIP 95323 Property Distress & Foreclosure Data

ZIP code 95323 in Stanislaus County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 53 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (74/100)). What sets it apart are the readings on structural risk (53/100), construction/permit lag (37/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The peak-phase market in 95323 posted values that rose 1.5% over the year, and 3% lower over three years, at 20/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,409 with a median age of 41. Vacancy runs 4.9%. 10.8% of residents fall below the poverty threshold. Educational attainment sits at 19% bachelor's-or-above. Owners hold 68% of homes, renters 32%. Rent burden reaches 4% of tenant households. There are about 477 housing units across 95323. Median household income is $89,188, above the U.S. median near $78,000. Home values center near $568,200, an affordability ratio of 5.9×. DLRadar's demographic-stress index for the area reads 34/100.

On balance 95323 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.