ZIP 95542 Property Distress & Foreclosure Data

Composite property distress in 95542 (Humboldt County, California) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (50/100), institutional ownership (21/100), construction/permit lag (16/100). On the quiet end sit construction/permit lag (16/100) and mortgage stress (10/100). The latent-versus-live split is 50/100 structural and 3/100 already moving. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (86/100)).

The peak-phase market in 95542 posted values that rose 1.2% over the year (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $45,049, below the U.S. median near $78,000. The vacancy rate is 14.1% — elevated. Around 45% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 54/100. Home values center near $395,500, an affordability ratio of 9.2× — stretched. Educational attainment sits at 21% bachelor's-or-above. 27.9% of residents fall below the poverty threshold. Owners hold 58% of homes, renters 42%. The ZIP holds roughly 1,414 housing units. Population is roughly 2,831 with a median age of 48.

On the whole, 95542 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.