ZIP 95348 Property Distress & Foreclosure Data

DLRadar grades ZIP 95348 (Merced County, California) at a low 19/100 for overall property distress. Property-level stress concentrates in 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). The latent-versus-live split is 42/100 structural and 2/100 already moving.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 1.3% off the recent peak, and 6% higher over three years (phase confidence 64/100). Falling values surface more motivated sellers and below-market exits.

A median home runs $383,600 here, or 5.5 times local income. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $63,618 — below the roughly $78,000 national figure. About 19% have a four-year degree. Around 35% of renters are cost-burdened. The vacancy rate is 7.9%. The ZIP holds roughly 12,448 housing units. 36,663 residents call 95348 home, typically aged 31. On demographic stress specifically, 95348 scores 42/100. The tenure split is 47% owner-occupied to 53% rented.

Taken together, 95348 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.