ZIP 95540 Property Distress & Foreclosure Data

In Humboldt County, California, ZIP 95540 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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. On the structural side it scores 50/100, with 3/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (86/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 10% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 59% owner-occupied to 41% rented. 14,641 residents call 95540 home, typically aged 38. Households earn a median $62,346 — below the roughly $78,000 national figure. On demographic stress specifically, 95540 scores 42/100. Roughly 16.0% live below the poverty line. The ZIP holds roughly 6,059 housing units. Around 54% of renters are cost-burdened. A median home runs $389,500 here, or 5.8 times local income. About 24% have a four-year degree. The vacancy rate is 6.4%.

Overall, 95540 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.