ZIP 95630 Property Distress & Foreclosure Data

In Sacramento County, California, ZIP 95630 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (57/100), construction/permit lag (53/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (77/100). The latent-versus-live split is 57/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 6% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 37% of renters are cost-burdened. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. About 59% have a four-year degree. The vacancy rate is 3.0%. Households earn a median $139,182 — above the roughly $78,000 national figure. The ZIP holds roughly 30,822 housing units. On demographic stress specifically, 95630 scores 30/100. The tenure split is 69% owner-occupied to 31% rented. A median home runs $755,200 here, or 5.0 times local income. 77,952 residents call 95630 home, typically aged 40.

Overall, 95630 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.