ZIP 96161 Foreclosure, Tax-Lien & Distress Report

ZIP code 96161 in Nevada County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in construction/permit lag (45/100), structural risk (43/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (6/100) register low. On the structural side it scores 43/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (91/100)).

The peak-phase market in 96161 posted values that held roughly flat over the year, and 4% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 18,794 housing units. Rent burden reaches 50% of tenant households. Educational attainment sits at 60% bachelor's-or-above. About 19,231 people live here, median age 43. The poverty rate is 6.9% — low. Home values center near $991,400, an affordability ratio of 7.2× — stretched. The vacancy rate is 58.8% — elevated. The demographic-stress sub-score lands at 43/100. Median household income is $128,535, above the U.S. median near $78,000. 79% of housing is owner-occupied.

Net-net, 96161 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 96161 at the moment; the composite and its components are still built from verifiable records.

Whether 96161 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 96161 can be compared directly against any other ZIP in Nevada County, California or nationwide. Where the record is thin for 96161, the field stays empty rather than modeled, and fills in as new documents post.

96161's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 96161 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.