Kern County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kern County, CA distress report, 2026: 53 ZIPs scored in Kern, CA, Kern, CA average 31/100; the top Kern, CA ZIP is 93225 at 33/100; Kern, CA market phase contraction, Kern, CA prices -0.9% year over year.
- Kern, CA ranks #1,641 nationally (opportunity index); Kern, CA #20 in California; Kern, CA index 28.9.
- Kern, CA ninety-day mortgage delinquency 1.3% in December 2025; Kern, CA twelve-month change +0.3%.
- Kern, CA ZIP phases: 51 contraction, 1 neutral, 1 peak.
- Kern, CA residential listings tracked: 167 across 47 ZIPs; Kern, CA candidate listings 47.
- Kern, CA HUD assisted properties: 18 with 1,269 units.
- Kern, CA lenders on watch: 8; largest Kern, CA footprint Bank Of The Sierra (7 branches).
- Kern, CA most distressed ZIP: 93225 at 33/100.
Kern, CA figures: DLRadar distress index; Kern, CA inputs: CFPB, FHFA, HUD, FDIC; Kern, CA rebuilt as sources refresh.
| Rank | Kern, CA ZIP | Score |
|---|---|---|
| 1 | 93225 | 33/100 |
| 2 | 93516 | 33/100 |
| 3 | 93252 | 32/100 |
| 4 | 93536 | 32/100 |
| 5 | 93203 | 31/100 |
| 6 | 93205 | 31/100 |
| 7 | 93206 | 31/100 |
| 8 | 93220 | 31/100 |
| 9 | 93222 | 31/100 |
| 10 | 93224 | 31/100 |
| 11 | 93226 | 31/100 |
| 12 | 93240 | 31/100 |
Most distressed Kern, CA ZIPs (0-100, 2026)
Mortgage delinquency in Kern, CA
1.3% of Kern, CA mortgages were ninety-plus days late (Kern, CA, December 2025); Kern, CA thirty-to-eighty-nine days late: 3.0%; Kern, CA twelve-month change +0.3%; Kern, CA peak since 2008: 9.7% (February 2010); California overall 0.5%. Kern, CA ninety-day series: Dec 24 1.0, Jan 25 1.0, Feb 25 1.1 (Kern, CA), Mar 25 1.0, Apr 25 1.0, May 25 1.0 (Kern, CA), Jun 25 1.1, Jul 25 1.1, Aug 25 1.1 (Kern, CA), Sep 25 1.1, Oct 25 1.1, Nov 25 1.3 (Kern, CA), Dec 25 1.3.
Opportunity index: Kern, CA
Kern, CA index 28.9, Kern, CA phase early_signal; Kern, CA primary driver bank institutional, Kern, CA second driver construction. Kern, CA components: property stress 21.8, foreclosure pressure 20.5, listing discounts 28.7, bank stress 57.4, insurance 0.0; Kern, CA pulse 31.9; Kern, CA capital opportunity 24.5.
ZIP market phases inside Kern, CA
53 Kern, CA ZIPs carry a price-cycle phase; Kern, CA ZIPs by phase (Kern, CA), deepest drawdown first: contraction, -1.8% YoY, 2.3% off peak (Kern, CA): 93225; contraction, -1.3% YoY, 2.2% off peak (Kern, CA): 93252; contraction, -0.9% YoY, 0.9% off peak (Kern, CA): 93203, 93205, 93206, 93220, Kern, CA 93222, 93224, 93226, 93240, Kern, CA 93241, 93249, 93250, 93251, Kern, CA 93255, 93263.
Residential listings by Kern, CA ZIP
Kern, CA ZIPs with the most tracked Kern, CA residential listings: 93505 41 listings, 13 candidates, bank pressure 63; 93560 17 listings, 3 candidates, bank pressure 59; 93561 13 listings, 10 candidates, bank pressure 63; 93308 11 listings, 6 candidates, bank pressure 63 (Kern, CA); 93306 9 listings, 1 candidates, bank pressure 63; 93555 9 listings, 2 candidates, bank pressure 65; 93501 6 listings, 0 candidates, bank pressure 63; 93240 5 listings, 0 candidates, bank pressure 63. Kern, CA totals: 167 listings; Kern, CA candidates 47; active ZIPs 30.
HUD assisted housing in Kern, CA
18 assisted properties with 1,269 units sit in Kern, CA; largest Kern, CA properties: Auburn Heights Apartments (Bakersfield) 160 units; The Meadows Apartments (Bakersfield) 134 units; Jasmine Heights Apartments (Delano) 128 units in Kern, CA; Pineview Apartments (Bakersfield) 110 units; Pioneer Village Estates (Bakersfield) 85 units, 85 assisted; Village At Tehachapi (Tehachapi) 81 units.
Lenders with branches in Kern, CA
Kern, CA lenders by branch count: Bank Of The Sierra (Kern, CA): stress 57, 7 branches low in Kern, CA; Mechanics Bank (Kern, CA): stress 59, 4 branches low in Kern, CA; Citizens Business Bank Na (Kern, CA): stress 50, 4 branches low in Kern, CA; Tri Counties Bank (Kern, CA): stress 49, 4 branches low in Kern, CA; Community West Bank (Kern, CA): stress 61, 3 branches low in Kern, CA; Mission Bank (Kern, CA): stress 52, 3 branches low in Kern, CA; Westamerica Bank (Kern, CA): stress 52, 3 branches low in Kern, CA; Banc Of California (Kern, CA): stress 87, 1 branch low in Kern, CA.
Vacancy and permits, Kern, CA
22,068 of 306,999 Kern, CA housing units are vacant; Kern, CA permits, twelve months: 130 multifamily units in Kern, CA, 2,819 one-to-four unit units.
Work Kern, CA at the parcel level
Every Kern, CA parcel carries owner and address; every Kern, CA parcel carries APN; Kern, CA distress scores sit on the Kern, CA live board.
Kern, CA figures refresh with each source.
Kern, CA questions
Most distressed ZIP code in Kern County, CA?
ZIP 93225 leads Kern, CA at 33/100; next in Kern, CA: 93516 at 33/100; the Kern, CA average is 31/100.
Where does Kern County, CA rank for investment opportunity?
Kern, CA is #1,641 among all ranked counties, #20 in California; the Kern, CA driver is bank institutional; Kern, CA moved up 290 places.
How many mortgages are delinquent in Kern County, CA?
1.3% of Kern, CA mortgages were ninety-plus days late in December 2025; the Kern, CA peak since 2008 was 9.7%.
Which banks lend in Kern County, CA?
8 watched lenders hold Kern, CA branches; the largest Kern, CA footprints are Bank Of The Sierra (7), Mechanics Bank (4), Citizens Business Bank Na (4).
More on Kern, CA
Kern County, CA distress report: public-record figures for Kern, CA; not legal advice for Kern, CA; not tax or investment advice; verify every Kern, CA record before acting.