ZIP 95324 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95324 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — 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.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 1.3% off the recent peak, and 15% higher over three years (phase confidence 64/100). Falling values surface more motivated sellers and below-market exits.

Households earn a median $72,309 — near the roughly $78,000 national figure. On demographic stress specifically, 95324 scores 41/100. Roughly 17.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 50% owner-occupied to 50% rented. Around 23% of renters are cost-burdened. A median home runs $462,900 here, or 6.1 times local income. About 9% have a four-year degree. The vacancy rate is 7.1%. 7,862 residents call 95324 home, typically aged 37. The ZIP holds roughly 2,732 housing units.

Taken together, 95324 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.