ZIP 95380 Property Distress & Foreclosure Data

Composite property distress in 95380 (Stanislaus County, California) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (51/100), construction/permit lag (32/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (72/100)). The latent-versus-live split is 51/100 structural and 2/100 already moving.

The peak-phase market in 95380 posted values that rose 0.8% over the year, and 9% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $68,308, below the U.S. median near $78,000. Educational attainment sits at 18% bachelor's-or-above. The ZIP holds roughly 15,736 housing units. Around 43% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 42/100. Population is roughly 43,731 with a median age of 32. 14.5% of residents fall below the poverty threshold. Owners hold 50% of homes, renters 50%. Home values center near $433,600, an affordability ratio of 6.0×. The vacancy rate is 5.2%.

On balance 95380 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.