ZIP 95638 Property Distress & Foreclosure Data

Sacramento County, California's ZIP 95638 registers 26/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (57/100), construction/permit lag (53/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). The latent-versus-live split is 57/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (77/100)).

The peak-phase market in 95638 posted values that rose 1.0% over the year, and 2% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 43% of renters are cost-burdened. 7.1% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 39/100. The ZIP holds roughly 920 housing units. Median household income is $92,321, above the U.S. median near $78,000. Educational attainment sits at 18% bachelor's-or-above. The vacancy rate is 2.3%. Owners hold 87% of homes, renters 13%. Population is roughly 2,295 with a median age of 49. Home values center near $713,600, an affordability ratio of 7.0×.

On balance 95638 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.