Monterey County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monterey County, California? DLRadar grades every Monterey County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Monterey County breakdown.
- Monterey County's most distressed ZIP is 93450 at 26/100.
- 33 ZIP codes tracked in Monterey County, averaging 25/100 distress.
- Monterey County reads peak — home values up 0.5% year over year, 2.2% off peak.
- Vacancy runs 12.3% across Monterey County's tracked ZIPs, with a 13% poverty rate.
- The typical Monterey County home is worth about $870,690 against a ~$92,912 median income.
- Lending headwind in Monterey County sits at 53/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 93450 | 26/100 |
| 2 | 93901 | 26/100 |
| 3 | 93905 | 26/100 |
| 4 | 93906 | 26/100 |
| 5 | 93907 | 26/100 |
| 6 | 93908 | 26/100 |
| 7 | 93920 | 26/100 |
| 8 | 93921 | 26/100 |
| 9 | 93923 | 26/100 |
| 10 | 93924 | 26/100 |
| 11 | 93925 | 26/100 |
| 12 | 93926 | 26/100 |
Most distressed ZIP codes in Monterey County (composite distress 0-100, 2026)
What is driving Monterey County distress
DLRadar builds Monterey County's distress picture only from records anyone can pull; its ZIPs average 25/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Monterey County market phase and pricing
Phase for Monterey County: peak (+0.5% YoY, 2.2% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Monterey County
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Frequently asked questions
What is the hardest-hit ZIP in Monterey County?
ZIP 93450 leads Monterey County at 26/100, recomputed monthly from public records.
Is Monterey County expanding or contracting?
Monterey County reads peak, with home prices up 0.5% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Monterey County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 33 ZIP codes in Monterey County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Monterey County ZIP codes?
One county number flattens a wide range. Across the Monterey County ZIPs DLRadar ranks, scores run from 26/100 in 93450 down to 26/100 in 93926, against a Monterey County average of 25/100. Because the gap runs to 0 points, Monterey County rewards ZIP-level precision.
What do Monterey County home values and vacancy say about distressed supply?
The typical Monterey County home carries about $870,690 of value against a median household income near $92,912. Vacancy across Monterey County's tracked ZIPs runs 12.3% and the poverty rate is 13%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Monterey County's foreclosure and tax-lien record and its 53/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.