Contra Costa County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Contra Costa County, CA distress report, 2026: 49 ZIPs scored in Contra Costa, CA, Contra Costa, CA average 20/100; the top Contra Costa, CA ZIP is 95219 at 26/100; Contra Costa, CA market phase peak, Contra Costa, CA prices +0.4% year over year.
- Contra Costa, CA ranks #3,155 nationally (opportunity index); Contra Costa, CA #55 in California; Contra Costa, CA index 21.2.
- Contra Costa, CA ninety-day mortgage delinquency 0.5% in December 2025; Contra Costa, CA twelve-month change 0.0%.
- Contra Costa, CA ZIP phases: 48 peak, 1 contraction.
- Contra Costa, CA residential listings tracked: 246 across 43 ZIPs; Contra Costa, CA candidate listings 109.
- Contra Costa, CA HUD assisted properties: 32 with 2,042 units.
- Contra Costa, CA lenders on watch: 8; largest Contra Costa, CA footprint Mechanics Bank (15 branches).
- Contra Costa, CA most distressed ZIP: 95219 at 26/100.
Contra Costa, CA figures: DLRadar distress index; Contra Costa, CA inputs: CFPB, FHFA, HUD, FDIC; Contra Costa, CA rebuilt as sources refresh.
| Rank | Contra Costa, CA ZIP | Score |
|---|---|---|
| 1 | 95219 | 26/100 |
| 2 | 94551 | 21/100 |
| 3 | 94588 | 21/100 |
| 4 | 94611 | 21/100 |
| 5 | 94706 | 21/100 |
| 6 | 94707 | 21/100 |
| 7 | 94708 | 21/100 |
| 8 | 94505 | 20/100 |
| 9 | 94506 | 20/100 |
| 10 | 94507 | 20/100 |
| 11 | 94509 | 20/100 |
| 12 | 94511 | 20/100 |
Most distressed Contra Costa, CA ZIPs (0-100, 2026)
Mortgage delinquency in Contra Costa, CA
0.5% of Contra Costa, CA mortgages were ninety-plus days late (Contra Costa, CA, December 2025); Contra Costa, CA thirty-to-eighty-nine days late: 1.0%; Contra Costa, CA twelve-month change 0.0%; Contra Costa, CA peak since 2008: 7.2% (January 2010); California overall 0.5%. Contra Costa, CA ninety-day series: Dec 24 0.5, Jan 25 0.4, Feb 25 0.4 (Contra Costa, CA), Mar 25 0.4, Apr 25 0.4, May 25 0.5 (Contra Costa, CA), Jun 25 0.5, Jul 25 0.5, Aug 25 0.5 (Contra Costa, CA), Sep 25 0.4, Oct 25 0.5, Nov 25 0.5 (Contra Costa, CA), Dec 25 0.5.
Opportunity index: Contra Costa, CA
Contra Costa, CA index 21.2, Contra Costa, CA phase weak; Contra Costa, CA primary driver bank institutional, Contra Costa, CA second driver listings discount. Contra Costa, CA components: property stress 11.1, foreclosure pressure 11.6, listing discounts 21.6, bank stress 59.3, insurance 0.0; Contra Costa, CA pulse 22.5; Contra Costa, CA capital opportunity 19.2; Contra Costa, CA seven-day change +0.1%.
ZIP market phases inside Contra Costa, CA
49 Contra Costa, CA ZIPs carry a price-cycle phase; Contra Costa, CA ZIPs by phase (Contra Costa, CA), deepest drawdown first: contraction, -1.9% YoY, 2.2% off peak (Contra Costa, CA): 95219; peak, +0.4% YoY, 0.2% off peak (Contra Costa, CA): 94505, 94506, 94507, 94509, Contra Costa, CA 94511, 94513, 94514, 94516, Contra Costa, CA 94517, 94518, 94519, 94520, Contra Costa, CA 94521, 94523, 94525.
Residential listings by Contra Costa, CA ZIP
Contra Costa, CA ZIPs with the most tracked Contra Costa, CA residential listings: 94531 24 listings, 7 candidates, bank pressure 61; 94565 22 listings, 1 candidates, bank pressure 61; 94509 19 listings, 7 candidates, bank pressure 61; 94513 19 listings, 6 candidates, bank pressure 61 (Contra Costa, CA); 94561 19 listings, 5 candidates, bank pressure 61; 94804 16 listings, 11 candidates, bank pressure 61; 94564 12 listings, 7 candidates, bank pressure 61; 94803 10 listings, 4 candidates, bank pressure 61. Contra Costa, CA totals: 246 listings; Contra Costa, CA candidates 109; active ZIPs 33.
HUD assisted housing in Contra Costa, CA
32 assisted properties with 2,042 units sit in Contra Costa, CA; largest Contra Costa, CA properties: Monterey Pines (Richmond) 324 units; The Heritage (Concord) 196 units, 121 assisted; Orinda Senior Village (Orinda Village) 150 units, 150 assisted in Contra Costa, CA; Stoneman Village (Pittsburg) 145 units, 145 assisted; Presidio Village Senior Housing (Pittsburg) 104 units, 104 assisted; Hookston Senior Apartments (Pleasant Hill) 100 units.
Lenders with branches in Contra Costa, CA
Contra Costa, CA lenders by branch count: Mechanics Bank (Contra Costa, CA): stress 59, 15 branches low in Contra Costa, CA; Bac Community Bank (Contra Costa, CA): stress 75, 4 branches low in Contra Costa, CA; Fremont Bank (Contra Costa, CA): stress 75, 4 branches low in Contra Costa, CA; Poppy Bank (Contra Costa, CA): stress 69, 3 branches low in Contra Costa, CA; Westamerica Bank (Contra Costa, CA): stress 52, 3 branches low in Contra Costa, CA; Farmers&Merchants Bk Cntl Ca (Contra Costa, CA): stress 50, 3 branches low in Contra Costa, CA; Citizens Business Bank Na (Contra Costa, CA): stress 50, 2 branches low in Contra Costa, CA; Gateway Bank Fsb (Contra Costa, CA): stress 79, 1 branch low in Contra Costa, CA.
Vacancy and permits, Contra Costa, CA
14,843 of 429,260 Contra Costa, CA housing units are vacant; Contra Costa, CA permits, twelve months: 898 multifamily units in Contra Costa, CA, 1,051 one-to-four unit units.
Work Contra Costa, CA at the parcel level
Every Contra Costa, CA parcel carries owner and address; every Contra Costa, CA parcel carries APN; Contra Costa, CA distress scores sit on the Contra Costa, CA live board.
Contra Costa, CA figures refresh with each source.
Contra Costa, CA questions
Most distressed ZIP code in Contra Costa County, CA?
ZIP 95219 leads Contra Costa, CA at 26/100; next in Contra Costa, CA: 94551 at 21/100; the Contra Costa, CA average is 20/100.
Where does Contra Costa County, CA rank for investment opportunity?
Contra Costa, CA is #3,155 among all ranked counties, #55 in California; the Contra Costa, CA driver is bank institutional; Contra Costa, CA moved up 3 places.
How many mortgages are delinquent in Contra Costa County, CA?
0.5% of Contra Costa, CA mortgages were ninety-plus days late in December 2025; the Contra Costa, CA peak since 2008 was 7.2%.
Which banks lend in Contra Costa County, CA?
8 watched lenders hold Contra Costa, CA branches; the largest Contra Costa, CA footprints are Mechanics Bank (15), Bac Community Bank (4), Fremont Bank (4).
More on Contra Costa, CA
Contra Costa County, CA distress report: public-record figures for Contra Costa, CA; not legal advice for Contra Costa, CA; not tax or investment advice; verify every Contra Costa, CA record before acting.