ZIP 95640 Property Distress & Foreclosure Data
DLRadar grades ZIP 95640 (Amador County, California) at a low 18/100 for overall property distress. Structural risk reads 39/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). Property-level stress concentrates in construction/permit lag (61/100), structural risk (39/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.
The market reads peak — home values rose 1.5% year on year, and 4% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 12,811 people live here, median age 41. 81% of housing is owner-occupied. There are about 4,305 housing units across 95640. Vacancy runs 4.5%. The typical home is worth about $450,500 (4.6× income). The demographic-stress sub-score lands at 29/100. Rent burden reaches 18% of tenant households. Around 16% of adults hold a bachelor's degree or higher. At $94,045, median income runs above typical U.S. levels. The poverty rate is 6.3% — low.
Net-net, 95640 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.
Distress signal breakdown — ZIP 95640
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Amador County
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Deterministic. Every signal traces to a public dataset · methodology