ZIP 95326 Property Distress & Foreclosure Data

Composite property distress in 95326 (Stanislaus County, California) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are 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 latent-versus-live split is 53/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (74/100)).

The peak-phase market in 95326 posted values that rose 1.5% over the year, and 5% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $89,268, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 38/100. 11.1% of residents fall below the poverty threshold. Educational attainment sits at 20% bachelor's-or-above. Home values center near $533,100, an affordability ratio of 5.6×. The vacancy rate is 4.7%. Owners hold 62% of homes, renters 38%. Population is roughly 10,662 with a median age of 40. Around 41% of renters are cost-burdened. The ZIP holds roughly 4,072 housing units.

On balance 95326 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.