San Mateo County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
San Mateo County, CA distress report, 2026: 31 ZIPs scored in San Mateo, CA, San Mateo, CA average 27/100; the top San Mateo, CA ZIP is 94002 at 27/100; San Mateo, CA market phase peak, San Mateo, CA prices +0.4% year over year.
- San Mateo, CA ranks #2,664 nationally (opportunity index); San Mateo, CA #39 in California; San Mateo, CA index 25.1.
- San Mateo, CA ninety-day mortgage delinquency 0.1% in December 2025; San Mateo, CA twelve-month change 0.0%.
- San Mateo, CA ZIP phases: 30 peak, 1 contraction.
- San Mateo, CA residential listings tracked: 29 across 30 ZIPs; San Mateo, CA candidate listings 13.
- San Mateo, CA HUD assisted properties: 14 with 808 units.
- San Mateo, CA lenders on watch: 8; largest San Mateo, CA footprint Tri Counties Bank (8 branches).
- San Mateo, CA most distressed ZIP: 94002 at 27/100.
San Mateo, CA figures: DLRadar distress index; San Mateo, CA inputs: CFPB, FHFA, HUD, FDIC; San Mateo, CA rebuilt as sources refresh.
| Rank | San Mateo, CA ZIP | Score |
|---|---|---|
| 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 San Mateo, CA ZIPs (0-100, 2026)
Mortgage delinquency in San Mateo, CA
0.1% of San Mateo, CA mortgages were ninety-plus days late (San Mateo, CA, December 2025); San Mateo, CA thirty-to-eighty-nine days late: 0.4%; San Mateo, CA twelve-month change 0.0%; San Mateo, CA peak since 2008: 4.2% (January 2010); California overall 0.5%. San Mateo, CA ninety-day series: Dec 24 0.1, Jan 25 0.2, Feb 25 0.2 (San Mateo, CA), Mar 25 0.1, Apr 25 0.1, May 25 0.1 (San Mateo, CA), Jun 25 0.1, Jul 25 0.1, Aug 25 0.1 (San Mateo, CA), Sep 25 0.1, Oct 25 0.1, Nov 25 0.1 (San Mateo, CA), Dec 25 0.1.
Opportunity index: San Mateo, CA
San Mateo, CA index 25.1, San Mateo, CA phase weak; San Mateo, CA primary driver construction, San Mateo, CA second driver bank institutional. San Mateo, CA components: property stress 18.0, foreclosure pressure 20.9, listing discounts 9.8, bank stress 60.1, insurance 0.0; San Mateo, CA pulse 31.5; San Mateo, CA capital opportunity 15.5.
ZIP market phases inside San Mateo, CA
31 San Mateo, CA ZIPs carry a price-cycle phase; San Mateo, CA ZIPs by phase (San Mateo, CA), deepest drawdown first: contraction, -0.5% YoY, 1.1% off peak (San Mateo, CA): 94303; peak, +0.2% YoY, 0.5% off peak (San Mateo, CA): 94028; peak, +0.4% YoY, 0.2% off peak (San Mateo, CA): 94002, 94005, 94010, 94014, San Mateo, CA 94015, 94018, 94019, 94020, San Mateo, CA 94021, 94025, 94027, 94030, San Mateo, CA 94037, 94038.
Residential listings by San Mateo, CA ZIP
San Mateo, CA ZIPs with the most tracked San Mateo, CA residential listings: 94019 6 listings, 1 candidates, bank pressure 64; 94014 5 listings, 2 candidates, bank pressure 64; 94403 4 listings, 4 candidates, bank pressure 64; 94404 4 listings, 0 candidates, bank pressure 64 (San Mateo, CA); 94015 2 listings, 1 candidates, bank pressure 64; 94062 2 listings, 1 candidates, bank pressure 64; 94066 2 listings, 2 candidates, bank pressure 64; 94018 1 listings, 0 candidates, bank pressure 64. San Mateo, CA totals: 29 listings; San Mateo, CA candidates 13; active ZIPs 11.
HUD assisted housing in San Mateo, CA
14 assisted properties with 808 units sit in San Mateo, CA; largest San Mateo, CA properties: Lesley Towers (San Mateo) 198 units, 195 assisted; The Gateway (Menlo Park) 130 units; Heron Court (Redwood City) 104 units, 104 assisted in San Mateo, CA; Ocean View Senior Apts (Pacifica) 100 units; Lesley Gardens (Half Moon Bay) 64 units, 63 assisted; Ocean View Plaza (Half Moon Bay) 50 units, 49 assisted.
Lenders with branches in San Mateo, CA
San Mateo, CA lenders by branch count: Tri Counties Bank (San Mateo, CA): stress 49, 8 branches low in San Mateo, CA; Bank Of The Orient (San Mateo, CA): stress 71, 3 branches low in San Mateo, CA; East West Bank (San Mateo, CA): stress 56, 3 branches moderate in San Mateo, CA; Cathay Bank (San Mateo, CA): stress 51, 3 branches moderate in San Mateo, CA; Poppy Bank (San Mateo, CA): stress 69, 2 branches low in San Mateo, CA; Citizens Business Bank Na (San Mateo, CA): stress 50, 2 branches moderate in San Mateo, CA; Beacon Business Bank Na (San Mateo, CA): stress 83, 1 branch moderate in San Mateo, CA; Liberty Bank National Assn (San Mateo, CA): stress 74, 1 branch low in San Mateo, CA.
Vacancy and permits, San Mateo, CA
22,765 of 287,184 San Mateo, CA housing units are vacant; San Mateo, CA permits, twelve months: 1,094 multifamily units in San Mateo, CA, 506 one-to-four unit units.
Work San Mateo, CA at the parcel level
Every San Mateo, CA parcel carries owner and address; every San Mateo, CA parcel carries APN; San Mateo, CA distress scores sit on the San Mateo, CA live board.
San Mateo, CA figures refresh with each source.
San Mateo, CA questions
Most distressed ZIP code in San Mateo County, CA?
ZIP 94002 leads San Mateo, CA at 27/100; next in San Mateo, CA: 94005 at 27/100; the San Mateo, CA average is 27/100.
Where does San Mateo County, CA rank for investment opportunity?
San Mateo, CA is #2,664 among all ranked counties, #39 in California; the San Mateo, CA driver is construction; San Mateo, CA moved down 703 places.
How many mortgages are delinquent in San Mateo County, CA?
0.1% of San Mateo, CA mortgages were ninety-plus days late in December 2025; the San Mateo, CA peak since 2008 was 4.2%.
Which banks lend in San Mateo County, CA?
8 watched lenders hold San Mateo, CA branches; the largest San Mateo, CA footprints are Tri Counties Bank (8), Bank Of The Orient (3), East West Bank (3).
More on San Mateo, CA
San Mateo County, CA distress report: public-record figures for San Mateo, CA; not legal advice for San Mateo, CA; not tax or investment advice; verify every San Mateo, CA record before acting.