ZIP 95549 Property Distress & Foreclosure Data

ZIP code 95549 in Humboldt County, California carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 50/100 against active distress of 3/100. What sets it apart are the readings on 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. 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 22% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $651,600 here, or 7.4 times local income. Rent burden reaches 56% of tenant households. The tenure split is 76% owner-occupied to 24% rented. On demographic stress specifically, 95549 scores 45/100. 1,090 residents call 95549 home, typically aged 35. Vacancy runs 7.4%. Households earn a median $89,583 — above the roughly $78,000 national figure. About 40% have a four-year degree. There are about 358 housing units across 95549. Roughly 19.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Overall, 95549 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.