San Francisco County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
San Francisco County, CA distress report, 2026: 30 ZIPs scored in San Francisco, CA, San Francisco, CA average 21/100; the top San Francisco, CA ZIP is 94920 at 28/100; San Francisco, CA market phase peak, San Francisco, CA prices +0.4% year over year.
- San Francisco, CA ranks #2,202 nationally (opportunity index); San Francisco, CA #30 in California; San Francisco, CA index 27.0.
- San Francisco, CA ninety-day mortgage delinquency 0.3% in December 2025; San Francisco, CA twelve-month change +0.2%.
- San Francisco, CA ZIP phases: 30 peak.
- San Francisco, CA residential listings tracked: 173 across 28 ZIPs; San Francisco, CA candidate listings 52.
- San Francisco, CA HUD assisted properties: 45 with 3,859 units.
- San Francisco, CA lenders on watch: 8; largest San Francisco, CA footprint East West Bank (9 branches).
- San Francisco, CA most distressed ZIP: 94920 at 28/100.
San Francisco, CA figures: DLRadar distress index; San Francisco, CA inputs: CFPB, FHFA, HUD, FDIC; San Francisco, CA rebuilt as sources refresh.
| Rank | San Francisco, CA ZIP | Score |
|---|---|---|
| 1 | 94920 | 28/100 |
| 2 | 94102 | 21/100 |
| 3 | 94103 | 21/100 |
| 4 | 94104 | 21/100 |
| 5 | 94105 | 21/100 |
| 6 | 94107 | 21/100 |
| 7 | 94108 | 21/100 |
| 8 | 94109 | 21/100 |
| 9 | 94110 | 21/100 |
| 10 | 94111 | 21/100 |
| 11 | 94112 | 21/100 |
| 12 | 94114 | 21/100 |
Most distressed San Francisco, CA ZIPs (0-100, 2026)
Mortgage delinquency in San Francisco, CA
0.3% of San Francisco, CA mortgages were ninety-plus days late (San Francisco, CA, December 2025); San Francisco, CA thirty-to-eighty-nine days late: 0.4%; San Francisco, CA twelve-month change +0.2%; San Francisco, CA peak since 2008: 3.2% (March 2010); California overall 0.5%. San Francisco, CA ninety-day series: Dec 24 0.1, Jan 25 0.2, Feb 25 0.1 (San Francisco, CA), Mar 25 0.1, Apr 25 0.1, May 25 0.2 (San Francisco, CA), Jun 25 0.1, Jul 25 0.2, Aug 25 0.1 (San Francisco, CA), Sep 25 0.2, Oct 25 0.2, Nov 25 0.2 (San Francisco, CA), Dec 25 0.3.
Opportunity index: San Francisco, CA
San Francisco, CA index 27.0, San Francisco, CA phase weak; San Francisco, CA primary driver bank institutional, San Francisco, CA second driver vacancy. San Francisco, CA components: property stress 24.0, foreclosure pressure 28.2, listing discounts 20.7, bank stress 61.8, insurance 0.0; San Francisco, CA pulse 31.0; San Francisco, CA capital opportunity 20.8; San Francisco, CA seven-day change +0.1%.
ZIP market phases inside San Francisco, CA
30 San Francisco, CA ZIPs carry a price-cycle phase; San Francisco, CA ZIPs by phase (San Francisco, CA), deepest drawdown first: peak, +0.4% YoY, 0.2% off peak (San Francisco, CA): 94102, 94103, 94104, 94105, San Francisco, CA 94107, 94108, 94109, 94110, San Francisco, CA 94111, 94112, 94114, 94115, San Francisco, CA 94116, 94117, 94118, 94121.
Residential listings by San Francisco, CA ZIP
San Francisco, CA ZIPs with the most tracked San Francisco, CA residential listings: 94110 26 listings, 8 candidates, bank pressure 66; 94103 18 listings, 6 candidates, bank pressure 66; 94112 18 listings, 6 candidates, bank pressure 66; 94109 11 listings, 3 candidates, bank pressure 66 (San Francisco, CA); 94124 11 listings, 8 candidates, bank pressure 66; 94105 9 listings, 2 candidates, bank pressure 66; 94158 8 listings, 3 candidates, bank pressure 66; 94134 7 listings, 0 candidates, bank pressure 66. San Francisco, CA totals: 173 listings; San Francisco, CA candidates 52; active ZIPs 1.
HUD assisted housing in San Francisco, CA
45 assisted properties with 3,859 units sit in San Francisco, CA; largest San Francisco, CA properties: Rincon Green (San Francisco) 326 units; Northridge Coop Homes (San Francisco) 300 units, 300 assisted; Soma Residences (San Francisco) 278 units in San Francisco, CA; Martin Luther King/Marcus Garvey Square (San Francisco) 211 units, 211 assisted; Mei Lun Yuen (San Francisco) 185 units, 185 assisted; Woolf House (San Francisco) 182 units, 182 assisted.
Lenders with branches in San Francisco, CA
San Francisco, CA lenders by branch count: East West Bank (San Francisco, CA): stress 56, 9 branches moderate in San Francisco, CA; Bank Of The Orient (San Francisco, CA): stress 71, 3 branches moderate in San Francisco, CA; Cathay Bank (San Francisco, CA): stress 51, 3 branches moderate in San Francisco, CA; Bank Of San Francisco (San Francisco, CA): stress 72, 2 branches moderate in San Francisco, CA; Preferred Bank (San Francisco, CA): stress 56, 2 branches moderate in San Francisco, CA; Tri Counties Bank (San Francisco, CA): stress 49, 2 branches moderate in San Francisco, CA; Beacon Business Bank Na (San Francisco, CA): stress 83, 1 branch moderate in San Francisco, CA; Mission National Bank (San Francisco, CA): stress 79, 1 branch moderate in San Francisco, CA.
Vacancy and permits, San Francisco, CA
50,632 of 414,602 San Francisco, CA housing units are vacant; San Francisco, CA permits, twelve months: 1,607 multifamily units in San Francisco, CA, 47 one-to-four unit units.
Work San Francisco, CA at the parcel level
Every San Francisco, CA parcel carries owner and address; every San Francisco, CA parcel carries APN; San Francisco, CA distress scores sit on the San Francisco, CA live board.
San Francisco, CA figures refresh with each source.
San Francisco, CA questions
Most distressed ZIP code in San Francisco County, CA?
ZIP 94920 leads San Francisco, CA at 28/100; next in San Francisco, CA: 94102 at 21/100; the San Francisco, CA average is 21/100.
Where does San Francisco County, CA rank for investment opportunity?
San Francisco, CA is #2,202 among all ranked counties, #30 in California; the San Francisco, CA driver is bank institutional; San Francisco, CA moved down 125 places.
How many mortgages are delinquent in San Francisco County, CA?
0.3% of San Francisco, CA mortgages were ninety-plus days late in December 2025; the San Francisco, CA peak since 2008 was 3.2%.
Which banks lend in San Francisco County, CA?
8 watched lenders hold San Francisco, CA branches; the largest San Francisco, CA footprints are East West Bank (9), Bank Of The Orient (3), Cathay Bank (3).
More on San Francisco, CA
San Francisco County, CA distress report: public-record figures for San Francisco, CA; not legal advice for San Francisco, CA; not tax or investment advice; verify every San Francisco, CA record before acting.