ZIP 95369 Property Distress & Foreclosure Data

ZIP code 95369 in Merced County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (94/100). What sets it apart are the readings on structural risk (43/100), institutional ownership (19/100), mortgage stress (8/100). mortgage stress (8/100) and construction/permit lag (5/100) stay muted. Structural risk reads 43/100 against active distress of 2/100.

Prices here sit in a contraction phase: values fell 0.8% over the trailing year, 1.1% off the recent peak, at 55/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Vacancy runs 20.0%, above the national norm and a classic distress-and-opportunity signal. A median home runs $354,900 here, or 4.1 times local income. There are about 381 housing units across 95369. The tenure split is 60% owner-occupied to 40% rented. About 11% have a four-year degree. Households earn a median $86,250 — near the roughly $78,000 national figure. 802 residents call 95369 home, typically aged 45. Roughly 12.0% live below the poverty line. On demographic stress specifically, 95369 scores 35/100. Rent burden reaches 33% of tenant households.

Taken together, 95369 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.