ZIP 95826 Foreclosure, Tax-Lien & Distress Report

Sacramento County, California's ZIP 95826 registers 26/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (83/100)). The most distinctive pressure shows up in structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. The split runs 58/100 structural to 2/100 active on the ground.

The market reads contraction — home values held roughly flat year on year, and 1% higher over three years (phase confidence 12/100). Falling values surface more motivated sellers and below-market exits.

There are about 16,683 housing units across 95826. Owners hold 55% of homes, renters 45%. About 40,500 people live here, median age 34. About 36% have a four-year degree. Around 50% of renters are cost-burdened. Vacancy runs 4.8%. The demographic-stress sub-score lands at 40/100. Median household income is $77,689, near the U.S. median near $78,000. The typical home is worth about $463,300 (5.7× income). Roughly 16.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 95826 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95826 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 95826 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Sacramento County, California and the nation. Where the public record is thin for 95826, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 95826 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 95826 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.