ZIP 95628 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95628 (Sacramento County, California) at a low 26/100 for overall property distress. The split runs 58/100 structural to 2/100 active on the ground. What sets it apart are the readings on structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (83/100)).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 4% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

70% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 34/100. Home values center near $651,400, an affordability ratio of 5.5×. The vacancy rate is 3.0%. 43,783 residents call 95628 home, typically aged 45. Educational attainment sits at 44% bachelor's-or-above. Rent burden reaches 43% of tenant households. There are about 17,570 housing units across 95628. Median household income is $111,582, above the U.S. median near $78,000. Roughly 8.3% live below the poverty line.

Net-net, 95628 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95628 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 95628 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 95628 stays directly comparable to neighboring ZIPs and the rest of Sacramento County, California. The score is rebuilt from public data as it updates, so 95628 reflects the current record instead of a stale or modeled snapshot.

The 26/100 for 95628 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 95628 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.