ZIP 95374 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95374 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 42 and live distress 2 on the 0–100 scale. 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). Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (68/100)).

The contraction-phase market in 95374 posted values that fell 1.2% over the year, 1.3% off the recent peak, and 24% higher over three years, at 64/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

There are about 686 housing units across 95374. Owners hold 52% of homes, renters 48%. Educational attainment sits at 8% bachelor's-or-above. Vacancy runs 16.7%, above the national norm and a classic distress-and-opportunity signal. Home values center near $463,300, an affordability ratio of 8.4× — stretched. 17.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 53/100. Rent burden reaches 47% of tenant households. Population is roughly 1,652 with a median age of 38. Median household income is $51,593, below the U.S. median near $78,000.

On the whole, 95374 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.