ZIP 95838 Property Distress & Foreclosure Data

In Sacramento County, California, ZIP 95838 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (77/100). On the structural side it scores 57/100, with 2/100 of stress already active.

The market reads peak — home values rose 1.0% year on year, and 3% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 20.1% — high, a tax-stress and distress correlate. About 40,295 people live here, median age 33. At $63,969, median income runs below typical U.S. levels. Around 52% of renters are cost-burdened. 55% of housing is owner-occupied. Around 14% of adults hold a bachelor's degree or higher. The typical home is worth about $389,200 (5.8× income). The ZIP holds roughly 12,315 housing units. The demographic-stress sub-score lands at 44/100. The vacancy rate is 3.6%.

Net-net, 95838 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.