ZIP 95546 Property Distress & Foreclosure Data

DLRadar grades ZIP 95546 (Humboldt County, California) at a low 22/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (86/100). The latent-versus-live split is 50/100 structural and 3/100 already moving. Property-level stress concentrates in 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.

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

Households earn a median $52,574 — below the roughly $78,000 national figure. Roughly 29.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 95546 scores 40/100. About 16% have a four-year degree. Around 34% of renters are cost-burdened. A median home runs $253,400 here, or 4.8 times local income. The vacancy rate is 24.3% — elevated. The ZIP holds roughly 1,012 housing units. 2,436 residents call 95546 home, typically aged 32. The tenure split is 75% owner-occupied to 25% rented.

Taken together, 95546 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.