San Francisco County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Francisco County, California? DLRadar grades every San Francisco County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 San Francisco County breakdown.
- San Francisco County's most distressed ZIP is 94920 at 28/100.
- 30 ZIP codes tracked in San Francisco County, averaging 22/100 distress.
- San Francisco County reads peak — home values up 0.4% year over year.
- Vacancy runs 11.3% across San Francisco County's tracked ZIPs, with a 11.1% poverty rate.
- The typical San Francisco County home is worth about $1,449,754 against a ~$143,164 median income.
- Lending headwind in San Francisco County sits at 59/100 — 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 | 94920 | 28/100 |
| 2 | 94102 | 22/100 |
| 3 | 94103 | 22/100 |
| 4 | 94104 | 22/100 |
| 5 | 94105 | 22/100 |
| 6 | 94107 | 22/100 |
| 7 | 94108 | 22/100 |
| 8 | 94109 | 22/100 |
| 9 | 94110 | 22/100 |
| 10 | 94111 | 22/100 |
| 11 | 94112 | 22/100 |
| 12 | 94114 | 22/100 |
Most distressed ZIP codes in San Francisco County (composite distress 0-100, 2026)
What is driving San Francisco County distress
San Francisco County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
San Francisco County market phase and pricing
DLRadar places San Francisco County in peak; prices moved up 0.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in San Francisco County
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Frequently asked questions
Which San Francisco County ZIP scores worst for distress?
ZIP 94920 leads San Francisco County at 28/100, recomputed monthly from public records.
Where is San Francisco County in the housing cycle?
San Francisco County currently sits in peak, with values up 0.4% year on year, based on FHFA price-index trajectory.
Where does the San Francisco County data come from?
Every San Francisco County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 30 San Francisco County ZIP codes that it runs on every other U.S. county, so San Francisco County's numbers are directly comparable to any other market.
How much do distress scores vary between San Francisco County ZIP codes?
Averaging the county conceals how uneven it is. Across the San Francisco County ZIPs DLRadar ranks, scores run from 28/100 in 94920 down to 22/100 in 94114, against a San Francisco County average of 22/100. Those 6 points separate the ZIPs worth working in San Francisco County from the rest.
What do San Francisco County home values and vacancy say about distressed supply?
The typical San Francisco County home carries about $1,449,754 of value against a median household income near $143,164. Vacancy across San Francisco County's tracked ZIPs runs 11.3% and the poverty rate is 11.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside San Francisco County's foreclosure and tax-lien record and its 59/100 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.