ZIP 95864 Property Distress & Foreclosure Data

ZIP code 95864 in Sacramento County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 57/100 against active distress of 2/100. What sets it apart are the readings on structural risk (57/100), construction/permit lag (53/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (77/100).

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 8% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

25,137 residents call 95864 home, typically aged 44. Households earn a median $129,083 — above the roughly $78,000 national figure. The tenure split is 75% owner-occupied to 25% rented. About 58% have a four-year degree. There are about 10,530 housing units across 95864. Rent burden reaches 46% of tenant households. Vacancy runs 4.0%. On demographic stress specifically, 95864 scores 34/100. A median home runs $810,400 here, or 6.0 times local income. Roughly 7.9% live below the poverty line.

Overall, 95864 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.