San Luis Obispo County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Luis Obispo County, California? DLRadar grades every San Luis Obispo County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 San Luis Obispo County breakdown.
- San Luis Obispo County's most distressed ZIP is 93252 at 32/100.
- 30 ZIP codes tracked in San Luis Obispo County, averaging 25/100 distress.
- San Luis Obispo County reads neutral — home values up 3.7% year over year.
- Vacancy runs 17.1% across San Luis Obispo County's tracked ZIPs, with a 15.2% poverty rate.
- The typical San Luis Obispo County home is worth about $719,042 against a ~$88,442 median income.
- Lending headwind in San Luis Obispo County sits at 17/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 93252 | 32/100 |
| 2 | 93434 | 26/100 |
| 3 | 93458 | 26/100 |
| 4 | 93254 | 25/100 |
| 5 | 93401 | 25/100 |
| 6 | 93402 | 25/100 |
| 7 | 93405 | 25/100 |
| 8 | 93407 | 25/100 |
| 9 | 93408 | 25/100 |
| 10 | 93409 | 25/100 |
| 11 | 93410 | 25/100 |
| 12 | 93420 | 25/100 |
Most distressed ZIP codes in San Luis Obispo County (composite distress 0-100, 2026)
What is driving San Luis Obispo County distress
San Luis Obispo County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 25/100 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 Luis Obispo County market phase and pricing
DLRadar places San Luis Obispo County in neutral; prices moved up 3.7% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in San Luis Obispo County
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Frequently asked questions
What is the hardest-hit ZIP in San Luis Obispo County?
ZIP 93252 leads San Luis Obispo County at 32/100, recomputed monthly from public records.
Which phase does San Luis Obispo County sit in right now?
San Luis Obispo County is classified neutral with a 3.7% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the San Luis Obispo County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 30 San Luis Obispo County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between San Luis Obispo County ZIP codes?
A single county score papers over real variation. Across the San Luis Obispo County ZIPs DLRadar ranks, scores run from 32/100 in 93252 down to 25/100 in 93420, against a San Luis Obispo County average of 25/100. With 7 points between best and worst, county-level targeting in San Luis Obispo County wastes effort.
What do San Luis Obispo County home values and vacancy say about distressed supply?
The typical San Luis Obispo County home carries about $719,042 of value against a median household income near $88,442. Vacancy across San Luis Obispo County's tracked ZIPs runs 17.1% and the poverty rate is 15.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside San Luis Obispo County's foreclosure and tax-lien record and its 17/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.