ZIP 95340 Property Distress & Foreclosure Data

Merced County, California's ZIP 95340 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 42/100 structural and 2/100 already moving. The most distinctive pressure shows up in structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The market reads contraction — home values fell 1.2% year on year, 1.3% off the recent peak, and 7% higher over three years (phase confidence 64/100). A cooling market tends to open discount-to-value windows.

At $65,141, median income runs below typical U.S. levels. The poverty rate is 19.1% — high, a tax-stress and distress correlate. The ZIP holds roughly 13,724 housing units. Around 26% of adults hold a bachelor's degree or higher. Around 51% of renters are cost-burdened. 56% of housing is owner-occupied. The demographic-stress sub-score lands at 43/100. About 38,045 people live here, median age 32. The vacancy rate is 6.9%. The typical home is worth about $399,100 (5.9× income).

Net-net, 95340 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.