ZIP 95388 Property Distress & Foreclosure Data

In Merced County, California, ZIP 95388 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), institutional ownership (16/100), mortgage stress (7/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. The latent-versus-live split is 42/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (68/100).

The market reads contraction — home values fell 1.2% year on year, 1.3% off the recent peak, and 11% higher over three years (phase confidence 64/100). A cooling market tends to open discount-to-value windows.

At $60,762, median income runs below typical U.S. levels. Around 7% of adults hold a bachelor's degree or higher. The poverty rate is 13.5%. About 13,005 people live here, median age 30. The vacancy rate is 6.0%. The typical home is worth about $345,100 (5.1× income). The demographic-stress sub-score lands at 40/100. 54% of housing is owner-occupied. Around 36% of renters are cost-burdened. The ZIP holds roughly 4,078 housing units.

Net-net, 95388 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.