ZIP 95526 Property Distress & Foreclosure Data

ZIP code 95526 in Humboldt County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (47/100), institutional ownership (19/100), construction/permit lag (16/100). By contrast, construction/permit lag (16/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (74/100). On the structural side it scores 47/100, with 3/100 of stress already active.

The market reads peak — home values rose 1.2% year on year (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

At $41,563, median income runs below typical U.S. levels. 63% of housing is owner-occupied. The poverty rate is 26.3% — high, a tax-stress and distress correlate. Around 9% of renters are cost-burdened. The vacancy rate is 37.4% — elevated. Around 14% of adults hold a bachelor's degree or higher. About 887 people live here, median age 41. The ZIP holds roughly 440 housing units. The demographic-stress sub-score lands at 48/100. The typical home is worth about $280,600 (8.1× income, severely stretched).

Net-net, 95526 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.