ZIP 95521 Property Distress & Foreclosure Data

ZIP code 95521 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. 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). Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (86/100)).

The peak-phase market in 95521 posted values that rose 1.2% over the year, and 3% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 9.6%. Owners hold 37% of homes, renters 63%. Home values center near $501,000, an affordability ratio of 8.8× — stretched. Rent burden reaches 54% of tenant households. 26.7% of residents fall below the poverty threshold. There are about 10,198 housing units across 95521. Population is roughly 21,684 with a median age of 29. Median household income is $54,324, below the U.S. median near $78,000. Educational attainment sits at 45% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 53/100.

On the whole, 95521 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.