ZIP 95365 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95365 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (68/100)). Its standout signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Structural risk reads 42/100 against active distress of 2/100.

The contraction-phase market in 95365 posted values that fell 1.2% over the year, 1.3% off the recent peak, and 38% higher over three years, at 64/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 4,009 with a median age of 34. Vacancy runs 6.7%. Home values center near $266,400, an affordability ratio of 5.8×. Owners hold 49% of homes, renters 51%. Rent burden reaches 30% of tenant households. 32.7% of residents fall below the poverty threshold. Median household income is $40,718, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 46/100. There are about 1,319 housing units across 95365. Educational attainment sits at 4% bachelor's-or-above.

On the whole, 95365 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.