ZIP 95686 Property Distress & Foreclosure Data

DLRadar grades ZIP 95686 (San Joaquin County, California) at a low 25/100 for overall property distress. Structural exposure scores 55 and live distress 1 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (82/100), structural risk (55/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (99/100)).

The contraction-phase market in 95686 posted values that fell 1.2% over the year, 1.5% off the recent peak, at 27/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

There are about 429 housing units across 95686. Home values center near $448,900, an affordability ratio of 9.9× — stretched. Vacancy runs 7.8%. DLRadar's demographic-stress index for the area reads 55/100. Population is roughly 1,123 with a median age of 34. Educational attainment sits at 11% bachelor's-or-above. 30.7% of residents fall below the poverty threshold. Median household income is $43,482, below the U.S. median near $78,000. Owners hold 52% of homes, renters 48%. Rent burden reaches 25% of tenant households.

On the whole, 95686 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.