Monterey County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Monterey County, CA distress report, 2026: 33 ZIPs scored in Monterey, CA, Monterey, CA average 26/100; the top Monterey, CA ZIP is 93426 at 26/100; Monterey, CA market phase peak, Monterey, CA prices +0.5% year over year.
- Monterey, CA ranks #2,871 nationally (opportunity index); Monterey, CA #48 in California; Monterey, CA index 24.0.
- Monterey, CA ninety-day mortgage delinquency 0.3% in December 2025; Monterey, CA twelve-month change -0.1%.
- Monterey, CA ZIP phases: 32 peak, 1 contraction.
- Monterey, CA residential listings tracked: 14 across 31 ZIPs; Monterey, CA candidate listings 7.
- Monterey, CA HUD assisted properties: 17 with 1,241 units.
- Monterey, CA lenders on watch: 6; largest Monterey, CA footprint Mechanics Bank (9 branches).
- Monterey, CA most distressed ZIP: 93426 at 26/100.
Monterey, CA figures: DLRadar distress index; Monterey, CA inputs: CFPB, FHFA, HUD, FDIC; Monterey, CA rebuilt as sources refresh.
| Rank | Monterey, CA ZIP | Score |
|---|---|---|
| 1 | 93426 | 26/100 |
| 2 | 93450 | 26/100 |
| 3 | 93451 | 26/100 |
| 4 | 93901 | 26/100 |
| 5 | 93905 | 26/100 |
| 6 | 93906 | 26/100 |
| 7 | 93907 | 26/100 |
| 8 | 93908 | 26/100 |
| 9 | 93920 | 26/100 |
| 10 | 93921 | 26/100 |
| 11 | 93923 | 26/100 |
| 12 | 93924 | 26/100 |
Most distressed Monterey, CA ZIPs (0-100, 2026)
Mortgage delinquency in Monterey, CA
0.3% of Monterey, CA mortgages were ninety-plus days late (Monterey, CA, December 2025); Monterey, CA thirty-to-eighty-nine days late: 1.1%; Monterey, CA twelve-month change -0.1%; Monterey, CA peak since 2008: 8.5% (February 2010); California overall 0.5%. Monterey, CA ninety-day series: Dec 24 0.4, Jan 25 0.4, Feb 25 0.4 (Monterey, CA), Mar 25 0.4, Apr 25 0.2, May 25 0.2 (Monterey, CA), Jun 25 0.2, Jul 25 0.2, Aug 25 0.2 (Monterey, CA), Sep 25 0.3, Oct 25 0.5, Nov 25 0.4 (Monterey, CA), Dec 25 0.3.
Opportunity index: Monterey, CA
Monterey, CA index 24.0, Monterey, CA phase weak; Monterey, CA primary driver bank institutional, Monterey, CA second driver vacancy. Monterey, CA components: property stress 23.8, foreclosure pressure 27.7, listing discounts 7.3, bank stress 62.0, insurance 0.0; Monterey, CA pulse 29.8; Monterey, CA capital opportunity 15.3.
ZIP market phases inside Monterey, CA
33 Monterey, CA ZIPs carry a price-cycle phase; Monterey, CA ZIPs by phase (Monterey, CA), deepest drawdown first: peak, +0.5% YoY, 2.2% off peak (Monterey, CA): 93450, 93901, 93905, 93906, Monterey, CA 93907, 93908, 93920, 93921, Monterey, CA 93923, 93924, 93925, 93926, Monterey, CA 93927, 93928, 93932, 93933.
Residential listings by Monterey, CA ZIP
Monterey, CA ZIPs with the most tracked Monterey, CA residential listings: 93901 3 listings, 1 candidates, bank pressure 66; 93923 3 listings, 3 candidates, bank pressure 66; 93940 2 listings, 0 candidates, bank pressure 66; 93905 1 listings, 0 candidates, bank pressure 66 (Monterey, CA); 93906 1 listings, 0 candidates, bank pressure 66; 93907 1 listings, 1 candidates, bank pressure 66; 93927 1 listings, 1 candidates, bank pressure 66; 93950 1 listings, 1 candidates, bank pressure 66. Monterey, CA totals: 14 listings; Monterey, CA candidates 7; active ZIPs 9.
HUD assisted housing in Monterey, CA
17 assisted properties with 1,241 units sit in Monterey, CA; largest Monterey, CA properties: Monterey Pines Apts (Monterey) 286 units; Creekbridge Apartments (Salinas) 220 units; Gabilan Plaza (Salinas) 200 units in Monterey, CA; Charles Apts (Marina) 105 units; Cypress Gardens (Marina) 96 units; Las Casas De Madera (Salinas) 75 units, 75 assisted.
Lenders with branches in Monterey, CA
Monterey, CA lenders by branch count: Mechanics Bank (Monterey, CA): stress 59, 9 branches low in Monterey, CA; Monterey County Bank (Monterey, CA): stress 86, 4 branches low in Monterey, CA; Pacific Valley Bank (Monterey, CA): stress 66, 4 branches low in Monterey, CA; West Coast Community Bank (Monterey, CA): stress 38, 3 branches low in Monterey, CA; Fremont Bank (Monterey, CA): stress 75, 1 branch low in Monterey, CA; Pinnacle Bank (Monterey, CA): stress 72, 1 branch low in Monterey, CA.
Vacancy and permits, Monterey, CA
12,980 of 145,469 Monterey, CA housing units are vacant; Monterey, CA permits, twelve months: 166 multifamily units in Monterey, CA, 715 one-to-four unit units.
Work Monterey, CA at the parcel level
Every Monterey, CA parcel carries owner and address; every Monterey, CA parcel carries APN; Monterey, CA distress scores sit on the Monterey, CA live board.
Monterey, CA figures refresh with each source.
Monterey, CA questions
Most distressed ZIP code in Monterey County, CA?
ZIP 93426 leads Monterey, CA at 26/100; next in Monterey, CA: 93450 at 26/100; the Monterey, CA average is 26/100.
Where does Monterey County, CA rank for investment opportunity?
Monterey, CA is #2,871 among all ranked counties, #48 in California; the Monterey, CA driver is bank institutional; Monterey, CA moved down 508 places.
How many mortgages are delinquent in Monterey County, CA?
0.3% of Monterey, CA mortgages were ninety-plus days late in December 2025; the Monterey, CA peak since 2008 was 8.5%.
Which banks lend in Monterey County, CA?
6 watched lenders hold Monterey, CA branches; the largest Monterey, CA footprints are Mechanics Bank (9), Monterey County Bank (4), Pacific Valley Bank (4).
More on Monterey, CA
Monterey County, CA distress report: public-record figures for Monterey, CA; not legal advice for Monterey, CA; not tax or investment advice; verify every Monterey, CA record before acting.