ZIP 95346 Property Distress & Foreclosure Data

ZIP code 95346 in Tuolumne County, California carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (26/100), mortgage stress (7/100), institutional ownership (4/100). By contrast, mortgage stress (7/100) and institutional ownership (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). On the structural side it scores 26/100, with 2/100 of stress already active.

The market reads peak — home values rose 1.2% year on year, and 5% higher over three years (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

At $108,362, median income runs above typical U.S. levels. The poverty rate is 0.0% — low. The demographic-stress sub-score lands at 32/100. The typical home is worth about $508,900 (4.8× income). Around 23% of renters are cost-burdened. 76% of housing is owner-occupied. Around 51% of adults hold a bachelor's degree or higher. The vacancy rate is 71.2% — elevated. The ZIP holds roughly 1,378 housing units. About 807 people live here, median age 54.

Net-net, 95346 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.