ZIP 95542 Foreclosure, Tax-Lien & Distress Report

In Humboldt County, California, ZIP 95542 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (10/100) register low. Structurally it carries 61/100, against 3/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)).

The peak-phase market in 95542 posted values that held roughly flat over the year (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

At $45,049, median income runs below typical U.S. levels. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 45% of tenant households. The demographic-stress sub-score lands at 54/100. A median home runs $395,500 here, or 9.2 times local income. About 21% have a four-year degree. 27.9% of residents fall below the poverty threshold. 58% of housing is owner-occupied. There are about 1,414 housing units across 95542. About 2,831 people live here, median age 48.

Net-net, 95542 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95542 at the moment; the composite and its components are still built from verifiable public records.

Whether 95542 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95542 can be compared directly against any other ZIP in Humboldt County, California or nationwide. Nothing here is interpolated — where a source is thin for 95542, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 27/100 figure for 95542 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 95542 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.