ZIP 95328 Property Distress & Foreclosure Data

ZIP code 95328 in Stanislaus County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (37/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. On the structural side it scores 53/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (74/100).

The market reads peak — home values rose 1.5% year on year, and 13% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 35.4% — high, a tax-stress and distress correlate. Around 60% of renters are cost-burdened. At $53,013, median income runs below typical U.S. levels. 48% of housing is owner-occupied. The ZIP holds roughly 1,312 housing units. About 3,939 people live here, median age 31. Around 7% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 58/100. The vacancy rate is 11.8% — elevated. The typical home is worth about $399,000 (8.2× income, severely stretched).

Net-net, 95328 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.