ZIP 95648 Property Distress & Foreclosure Data

ZIP code 95648 in Placer County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). What sets it apart are the readings on construction/permit lag (59/100), structural risk (56/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (8/100) stay muted. Structural risk reads 56/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 2% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 3.5%. Households earn a median $108,200 — above the roughly $78,000 national figure. There are about 22,613 housing units across 95648. Roughly 7.5% live below the poverty line. A median home runs $657,800 here, or 5.9 times local income. On demographic stress specifically, 95648 scores 35/100. 56,597 residents call 95648 home, typically aged 44. About 38% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. Rent burden reaches 48% of tenant households.

Overall, 95648 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.