ZIP 95540 Foreclosure, Tax-Lien & Distress Report
Humboldt County, California · Distress market
Humboldt County, California's ZIP 95540 registers 26/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (59/100), construction/permit lag (51/100), institutional ownership (22/100). On the quiet end sit institutional ownership (22/100) and mortgage stress (10/100). The split runs 59/100 structural to 3/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (89/100)).
Prices here sit in a peak phase: values held roughly flat over the trailing year, and 10% higher over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.
The tenure split is 59% owner-occupied to 41% rented. Population is roughly 14,641 with a median age of 38. Households earn a median $62,346 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 42/100. The poverty rate is 16.0%. There are about 6,059 housing units across 95540. Around 54% of renters are cost-burdened. The typical home is worth about $389,500 (5.8× income). Educational attainment sits at 24% bachelor's-or-above. Vacancy runs 6.4%.
Overall, 95540 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 95540 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 95540 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95540, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
95540's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95540 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 95540’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 95540 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95540, the same set carried on every parcel.
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Nearest ZIP codes to 95540
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Humboldt County, California.
The complete 95540 distress and acquisition report
See who owns each distressed property in 95540, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology