ZIP 95503 Property Distress & Foreclosure Data

ZIP code 95503 in Humboldt County, California carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 50 and live distress 3 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (86/100)). What sets it apart are the readings on structural risk (50/100), institutional ownership (21/100), construction/permit lag (16/100). On the quiet end sit construction/permit lag (16/100) and mortgage stress (10/100).

The peak-phase market in 95503 posted values that rose 1.2% over the year, and 0% lower over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $444,700, an affordability ratio of 5.4×. Educational attainment sits at 29% bachelor's-or-above. Population is roughly 24,442 with a median age of 44. Owners hold 70% of homes, renters 30%. DLRadar's demographic-stress index for the area reads 38/100. 15.8% of residents fall below the poverty threshold. Vacancy runs 7.1%. There are about 10,677 housing units across 95503. Rent burden reaches 48% of tenant households. Median household income is $76,708, near the U.S. median near $78,000.

On balance 95503 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.