San Bernardino County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Bernardino County, California? DLRadar grades every San Bernardino County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 San Bernardino County breakdown.
- San Bernardino County's most distressed ZIP is 92320 at 36/100.
- 100 ZIP codes tracked in San Bernardino County, averaging 34/100 distress.
- San Bernardino County reads peak — home values up 0.1% year over year.
- Vacancy runs 20.9% across San Bernardino County's tracked ZIPs, with a 16.7% poverty rate.
- The typical San Bernardino County home is worth about $469,878 against a ~$87,408 median income.
- Lending headwind in San Bernardino County sits at 55/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 92320 | 36/100 |
| 2 | 92509 | 36/100 |
| 3 | 92880 | 36/100 |
| 4 | 92277 | 35/100 |
| 5 | 92324 | 35/100 |
| 6 | 92373 | 35/100 |
| 7 | 91701 | 34/100 |
| 8 | 91708 | 34/100 |
| 9 | 91709 | 34/100 |
| 10 | 91710 | 34/100 |
| 11 | 91730 | 34/100 |
| 12 | 91737 | 34/100 |
Most distressed ZIP codes in San Bernardino County (composite distress 0-100, 2026)
What is driving San Bernardino County distress
Nothing here is estimated: San Bernardino County is scored from filings alone, and its ZIPs average 34/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
San Bernardino County market phase and pricing
San Bernardino County reads peak — home prices rose 0.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in San Bernardino County
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Frequently asked questions
Which San Bernardino County ZIP scores worst for distress?
ZIP 92320 leads San Bernardino County at 36/100, recomputed monthly from public records.
Where is San Bernardino County in the housing cycle?
San Bernardino County reads peak, with home prices up 0.1% year over year. Phase comes from FHFA House Price Index trajectory.
How is the San Bernardino County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 100 San Bernardino County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between San Bernardino County ZIP codes?
County-level numbers smooth away the detail that matters. Across the San Bernardino County ZIPs DLRadar ranks, scores run from 36/100 in 92320 down to 34/100 in 91737, against a San Bernardino County average of 34/100. Those 2 points separate the ZIPs worth working in San Bernardino County from the rest.
What do San Bernardino County home values and vacancy say about distressed supply?
The typical San Bernardino County home carries about $469,878 of value against a median household income near $87,408. Vacancy across San Bernardino County's tracked ZIPs runs 20.9% and the poverty rate is 16.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against San Bernardino County's foreclosure and tax-lien filings and its 55/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.