San Luis Obispo County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)

Mortgage delinquency in San Luis Obispo, CA

0.3% of San Luis Obispo, CA mortgages were ninety-plus days late (San Luis Obispo, CA, December 2025); San Luis Obispo, CA thirty-to-eighty-nine days late: 0.7%; San Luis Obispo, CA twelve-month change 0.0%; San Luis Obispo, CA peak since 2008: 4.3% (February 2010); California overall 0.5%. San Luis Obispo, CA ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.3 (San Luis Obispo, CA), Mar 25 0.2, Apr 25 0.3, May 25 0.2 (San Luis Obispo, CA), Jun 25 0.3, Jul 25 0.3, Aug 25 0.3 (San Luis Obispo, CA), Sep 25 0.4, Oct 25 0.2, Nov 25 0.2 (San Luis Obispo, CA), Dec 25 0.3.

Opportunity index: San Luis Obispo, CA

San Luis Obispo, CA index 26.7, San Luis Obispo, CA phase weak; San Luis Obispo, CA primary driver bank institutional, San Luis Obispo, CA second driver vacancy. San Luis Obispo, CA components: property stress 24.7, foreclosure pressure 26.9, listing discounts 11.9, bank stress 56.7, insurance 0.0; San Luis Obispo, CA pulse 32.3; San Luis Obispo, CA capital opportunity 18.4; San Luis Obispo, CA seven-day change -0.1%.

ZIP market phases inside San Luis Obispo, CA

30 San Luis Obispo, CA ZIPs carry a price-cycle phase; San Luis Obispo, CA ZIPs by phase (San Luis Obispo, CA), deepest drawdown first: contraction, -1.3% YoY, 2.2% off peak (San Luis Obispo, CA): 93252; peak, +1.0% YoY, 1.9% off peak (San Luis Obispo, CA): 93451; peak, +1.1% YoY, 1.8% off peak (San Luis Obispo, CA): 93426; peak, +2.1% YoY, 0.1% off peak (San Luis Obispo, CA): 93458, 93434; peak, +2.2% YoY, 0.1% off peak (San Luis Obispo, CA): 93254; peak, +2.6% YoY, 0.1% off peak (San Luis Obispo, CA): 93454; neutral, +3.3% YoY, 0.1% off peak (San Luis Obispo, CA): 93461; neutral, +3.7% YoY (San Luis Obispo, CA): 93401, 93402, 93405, 93407, San Luis Obispo, CA 93408, 93409, 93410, 93420.

Residential listings by San Luis Obispo, CA ZIP

San Luis Obispo, CA ZIPs with the most tracked San Luis Obispo, CA residential listings: 93446 4 listings, 1 candidates, bank pressure 60; 93428 3 listings, 0 candidates, bank pressure 60; 93444 3 listings, 0 candidates, bank pressure 60; 93420 2 listings, 1 candidates, bank pressure 60 (San Luis Obispo, CA); 93405 1 listings, 1 candidates, bank pressure 60; 93422 1 listings, 1 candidates, bank pressure 60; 93433 1 listings, 0 candidates, bank pressure 60; 93449 1 listings, 0 candidates, bank pressure 60. San Luis Obispo, CA totals: 18 listings; San Luis Obispo, CA candidates 5; active ZIPs 4.

HUD assisted housing in San Luis Obispo, CA

4 assisted properties with 213 units sit in San Luis Obispo, CA; largest San Luis Obispo, CA properties: Cortina D'Arroyo Grande (Arroyo Grande) 108 units; Hacienda Del Norte Apts (Paso Robles) 44 units, 44 assisted; Judson Terrace Lodge (San Luis Obispo) 32 units, 31 assisted in San Luis Obispo, CA; Templeton Place Aka Creekside Gardens (Paso Robles) 29 units, 28 assisted.

Lenders with branches in San Luis Obispo, CA

San Luis Obispo, CA lenders by branch count: Mechanics Bank (San Luis Obispo, CA): stress 59, 12 branches low in San Luis Obispo, CA; Banc Of California (San Luis Obispo, CA): stress 87, 3 branches low in San Luis Obispo, CA; American Riviera Bank (San Luis Obispo, CA): stress 67, 3 branches low in San Luis Obispo, CA; Bank Of The Sierra (San Luis Obispo, CA): stress 57, 3 branches low in San Luis Obispo, CA; Community West Bank (San Luis Obispo, CA): stress 61, 2 branches low in San Luis Obispo, CA; Mission Bank (San Luis Obispo, CA): stress 52, 1 branch low in San Luis Obispo, CA; West Coast Community Bank (San Luis Obispo, CA): stress 38, 1 branch low in San Luis Obispo, CA; Murphy Bank (San Luis Obispo, CA): stress 24, 1 branch low in San Luis Obispo, CA.

Vacancy and permits, San Luis Obispo, CA

16,166 of 125,669 San Luis Obispo, CA housing units are vacant; San Luis Obispo, CA permits, twelve months: 123 multifamily units in San Luis Obispo, CA, 742 one-to-four unit units.

San Luis Obispo, CA questions