ZIP 95382 Property Distress & Foreclosure Data

ZIP code 95382 in Stanislaus County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (37/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (74/100). On the structural side it scores 53/100, with 2/100 of stress already active.

The market reads peak — home values rose 1.5% year on year, and 6% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

Around 33% of adults hold a bachelor's degree or higher. 63% of housing is owner-occupied. The demographic-stress sub-score lands at 36/100. Around 48% of renters are cost-burdened. The ZIP holds roughly 14,118 housing units. The typical home is worth about $491,700 (5.2× income). At $93,592, median income runs above typical U.S. levels. The vacancy rate is 2.6%. The poverty rate is 7.9%. About 39,320 people live here, median age 37.

Net-net, 95382 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.