ZIP 96107 Property Distress & Foreclosure Data

In Mono County, California, ZIP 96107 scores 13 of 100 for composite distress, a minimal level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100). The latent-versus-live split is 29/100 structural and 5/100 already moving. Its standout signals are structural risk (29/100), mortgage stress (17/100), institutional ownership (16/100). mortgage stress (17/100) and institutional ownership (16/100) stay muted.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 19% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

On demographic stress specifically, 96107 scores 48/100. Roughly 20.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $45,605 — below the roughly $78,000 national figure. Around 49% of renters are cost-burdened. A median home runs $384,400 here, or 8.1 times local income. About 35% have a four-year degree. The ZIP holds roughly 463 housing units. 668 residents call 96107 home, typically aged 41. The tenure split is 61% owner-occupied to 39% rented. The vacancy rate is 15.6% — elevated.

Taken together, 96107 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.