ZIP 95838 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95838 (Sacramento County, California) at a low 26/100 for overall property distress. The pressure is most legible in structural risk (59/100), construction/permit lag (55/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). On the structural side it scores 59/100, with 2/100 of stress already active.

The contraction-phase market in 95838 posted values that held roughly flat over the year, and 3% higher over three years, at 12/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

20.1% of residents fall below the poverty threshold. 40,295 residents call 95838 home, typically aged 33. Households earn a median $63,969 — below the roughly $78,000 national figure. Rent burden reaches 52% of tenant households. The tenure split is 55% owner-occupied to 45% rented. About 14% have a four-year degree. A median home runs $389,200 here, or 5.8 times local income. The ZIP holds roughly 12,315 housing units. The demographic-stress sub-score lands at 44/100. The vacancy rate is 3.6%.

Taken together, 95838 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 95838 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95838, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 95838 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 95838 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.