ZIP 95823 Property Distress & Foreclosure Data

ZIP code 95823 in Sacramento County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (57/100), construction/permit lag (53/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. On the structural side it scores 57/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (77/100).

The market reads peak — home values rose 1.0% year on year, and 5% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Around 51% of renters are cost-burdened. About 83,254 people live here, median age 33. The ZIP holds roughly 25,255 housing units. Around 16% of adults hold a bachelor's degree or higher. The vacancy rate is 3.5%. The demographic-stress sub-score lands at 45/100. At $63,701, median income runs below typical U.S. levels. The typical home is worth about $401,500 (5.8× income). The poverty rate is 18.6% — high, a tax-stress and distress correlate. 46% of housing is owner-occupied.

Net-net, 95823 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.