ZIP 95540 Foreclosure, Tax-Lien & Distress Report

Humboldt County, California's ZIP 95540 registers 27/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (10/100). The split runs 61/100 structural to 3/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)).

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 public 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 27/100 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.