ZIP 95360 Property Distress & Foreclosure Data

In Stanislaus County, California, ZIP 95360 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (51/100), construction/permit lag (32/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (6/100) stay muted. On the structural side it scores 51/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (72/100).

Prices here sit in a peak phase: values rose 0.8% over the trailing year, and 9% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 9% have a four-year degree. 13,690 residents call 95360 home, typically aged 35. Roughly 13.6% live below the poverty line. Around 33% of renters are cost-burdened. Households earn a median $74,006 — near the roughly $78,000 national figure. A median home runs $419,800 here, or 5.2 times local income. The ZIP holds roughly 4,564 housing units. The vacancy rate is 9.3%. On demographic stress specifically, 95360 scores 38/100. The tenure split is 71% owner-occupied to 29% rented.

Overall, 95360 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.