ZIP 95428 Property Distress & Foreclosure Data

In Mendocino County, California, ZIP 95428 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 53/100 against active distress of 3/100. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (82/100)). Its standout signals are structural risk (53/100), construction/permit lag (38/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (10/100).

The peak-phase market in 95428 posted values that rose 1.2% over the year, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $437,200, an affordability ratio of 8.5× — stretched. Owners hold 58% of homes, renters 42%. There are about 1,273 housing units across 95428. Vacancy runs 25.6%, above the national norm and a classic distress-and-opportunity signal. Median household income is $44,286, below the U.S. median near $78,000. 34.6% of residents fall below the poverty threshold. Rent burden reaches 55% of tenant households. Educational attainment sits at 13% bachelor's-or-above. Population is roughly 2,667 with a median age of 40. DLRadar's demographic-stress index for the area reads 57/100.

On the whole, 95428 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.