ZIP 95982 Property Distress & Foreclosure Data

In Sutter County, California, ZIP 95982 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (50/100), institutional ownership (44/100), mortgage stress (16/100). By contrast, mortgage stress (16/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (75/100). The latent-versus-live split is 50/100 structural and 5/100 already moving.

The market reads contraction — home values fell 0.6% year on year, and 5% higher over three years (phase confidence 27/100). A cooling market tends to open discount-to-value windows.

At $96,786, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 27/100. The vacancy rate is 2.6%. About 2,971 people live here, median age 41. Around 23% of renters are cost-burdened. The ZIP holds roughly 1,173 housing units. The poverty rate is 3.6% — low. 79% of housing is owner-occupied. Around 22% of adults hold a bachelor's degree or higher. The typical home is worth about $417,000 (3.9× income, relatively affordable).

Net-net, 95982 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.