ZIP 95528 Property Distress & Foreclosure Data

DLRadar grades ZIP 95528 (Humboldt County, California) at a low 22/100 for overall property distress. Property-level stress concentrates in structural risk (50/100), institutional ownership (21/100), construction/permit lag (16/100). construction/permit lag (16/100) and mortgage stress (10/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (86/100). The latent-versus-live split is 50/100 structural and 3/100 already moving.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 21% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $71,250 — near the roughly $78,000 national figure. A median home runs $506,300 here, or 7.2 times local income. Roughly 21.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 95528 scores 44/100. 1,415 residents call 95528 home, typically aged 49. The ZIP holds roughly 651 housing units. Around 43% of renters are cost-burdened. The tenure split is 81% owner-occupied to 19% rented. About 23% have a four-year degree. The vacancy rate is 17.4% — elevated.

Taken together, 95528 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.