San Mateo County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Mateo County, California? DLRadar grades every San Mateo County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 San Mateo County breakdown.
- San Mateo County's most distressed ZIP is 94002 at 27/100.
- 31 ZIP codes tracked in San Mateo County, averaging 27/100 distress.
- San Mateo County reads peak — home values up 0.4% year over year.
- Vacancy runs 8.7% across San Mateo County's tracked ZIPs, with a 7.5% poverty rate.
- The typical San Mateo County home is worth about $1,565,621 against a ~$162,556 median income.
- Lending headwind in San Mateo County sits at 56/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 94002 | 27/100 |
| 2 | 94005 | 27/100 |
| 3 | 94010 | 27/100 |
| 4 | 94014 | 27/100 |
| 5 | 94015 | 27/100 |
| 6 | 94018 | 27/100 |
| 7 | 94019 | 27/100 |
| 8 | 94020 | 27/100 |
| 9 | 94021 | 27/100 |
| 10 | 94025 | 27/100 |
| 11 | 94027 | 27/100 |
| 12 | 94030 | 27/100 |
Most distressed ZIP codes in San Mateo County (composite distress 0-100, 2026)
What is driving San Mateo County distress
Nothing here is estimated: San Mateo County is scored from filings alone, and its ZIPs average 27/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
San Mateo County market phase and pricing
San Mateo County reads peak — home prices rose 0.4% 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 Mateo County
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Questions about this county
What is the most distressed ZIP code in San Mateo County, CA?
ZIP 94002 leads San Mateo County at 27/100, recomputed monthly from public records.
Is San Mateo County expanding or contracting?
San Mateo County is classified peak with a 0.4% year-over-year increase, following the FHFA House Price Index.
What is this San Mateo County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 31 San Mateo County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between San Mateo County ZIP codes?
The county figure is a blend, not a description. Across the San Mateo County ZIPs DLRadar ranks, scores run from 27/100 in 94002 down to 27/100 in 94030, against a San Mateo County average of 27/100. That 0-point gap is why acquisition targeting in San Mateo County works at ZIP level rather than county level.
What do San Mateo County home values and vacancy say about distressed supply?
The typical San Mateo County home carries about $1,565,621 of value against a median household income near $162,556. Vacancy across San Mateo County's tracked ZIPs runs 8.7% and the poverty rate is 7.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside San Mateo County's foreclosure and lien data and its 56/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.