ZIP 95631 Property Distress & Foreclosure Data

DLRadar grades ZIP 95631 (Placer County, California) at a low 25/100 for overall property distress. Structural exposure scores 56 and live distress 2 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (59/100), structural risk (56/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (66/100).

The market reads peak — home values rose 1.0% year on year, and 1% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 2,784 housing units across 95631. The typical home is worth about $496,900 (4.9× income). 83% of housing is owner-occupied. Vacancy runs 3.2%. The poverty rate is 9.0%. Rent burden reaches 38% of tenant households. Around 21% of adults hold a bachelor's degree or higher. At $103,947, median income runs above typical U.S. levels. About 6,934 people live here, median age 45. The demographic-stress sub-score lands at 33/100.

Net-net, 95631 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.