Santa Barbara County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Barbara County, CA distress report, 2026: 25 ZIPs scored in Santa Barbara, CA, Santa Barbara, CA average 26/100; the top Santa Barbara, CA ZIP is 93252 at 32/100; Santa Barbara, CA market phase peak, Santa Barbara, CA prices +2.1% year over year.
- Santa Barbara, CA ranks #2,955 nationally (opportunity index); Santa Barbara, CA #50 in California; Santa Barbara, CA index 23.5.
- Santa Barbara, CA ninety-day mortgage delinquency 0.2% in December 2025; Santa Barbara, CA twelve-month change -0.1%.
- Santa Barbara, CA ZIP phases: 24 peak, 1 contraction.
- Santa Barbara, CA residential listings tracked: 24 across 24 ZIPs; Santa Barbara, CA candidate listings 8.
- Santa Barbara, CA HUD assisted properties: 15 with 900 units.
- Santa Barbara, CA lenders on watch: 8; largest Santa Barbara, CA footprint Montecito Bank&Trust (12 branches).
- Santa Barbara, CA most distressed ZIP: 93252 at 32/100.
Santa Barbara, CA figures: DLRadar distress index; Santa Barbara, CA inputs: CFPB, FHFA, HUD, FDIC; Santa Barbara, CA rebuilt as sources refresh.
| Rank | Santa Barbara, CA ZIP | Score |
|---|---|---|
| 1 | 93252 | 32/100 |
| 2 | 93013 | 27/100 |
| 3 | 93067 | 26/100 |
| 4 | 93101 | 26/100 |
| 5 | 93103 | 26/100 |
| 6 | 93105 | 26/100 |
| 7 | 93106 | 26/100 |
| 8 | 93108 | 26/100 |
| 9 | 93109 | 26/100 |
| 10 | 93110 | 26/100 |
| 11 | 93111 | 26/100 |
| 12 | 93117 | 26/100 |
Most distressed Santa Barbara, CA ZIPs (0-100, 2026)
Mortgage delinquency in Santa Barbara, CA
0.2% of Santa Barbara, CA mortgages were ninety-plus days late (Santa Barbara, CA, December 2025); Santa Barbara, CA thirty-to-eighty-nine days late: 0.9%; Santa Barbara, CA twelve-month change -0.1%; Santa Barbara, CA peak since 2008: 5.2% (February 2010); California overall 0.5%. Santa Barbara, CA ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.3 (Santa Barbara, CA), Mar 25 0.3, Apr 25 0.3, May 25 0.2 (Santa Barbara, CA), Jun 25 0.3, Jul 25 0.2, Aug 25 0.3 (Santa Barbara, CA), Sep 25 0.3, Oct 25 0.4, Nov 25 0.1 (Santa Barbara, CA), Dec 25 0.2.
Opportunity index: Santa Barbara, CA
Santa Barbara, CA index 23.5, Santa Barbara, CA phase weak; Santa Barbara, CA primary driver bank institutional, Santa Barbara, CA second driver vacancy. Santa Barbara, CA components: property stress 22.8, foreclosure pressure 23.7, listing discounts 12.8, bank stress 56.7, insurance 0.0; Santa Barbara, CA pulse 26.9; Santa Barbara, CA capital opportunity 18.4.
ZIP market phases inside Santa Barbara, CA
25 Santa Barbara, CA ZIPs carry a price-cycle phase; Santa Barbara, CA ZIPs by phase (Santa Barbara, CA), deepest drawdown first: contraction, -1.3% YoY, 2.2% off peak (Santa Barbara, CA): 93252; peak, +1.0% YoY, 0.9% off peak (Santa Barbara, CA): 93013; peak, +2.1% YoY, 0.2% off peak (Santa Barbara, CA): 93067, 93101, 93103, 93105, Santa Barbara, CA 93106, 93108, 93109, 93110, Santa Barbara, CA 93111, 93117, 93427, 93429, Santa Barbara, CA 93436, 93437.
Residential listings by Santa Barbara, CA ZIP
Santa Barbara, CA ZIPs with the most tracked Santa Barbara, CA residential listings: 93436 5 listings, 0 candidates, bank pressure 66; 93454 5 listings, 5 candidates, bank pressure 63; 93455 3 listings, 0 candidates, bank pressure 66; 93101 2 listings, 1 candidates, bank pressure 66 (Santa Barbara, CA); 93117 2 listings, 0 candidates, bank pressure 66; 93254 2 listings, 0 candidates, bank pressure 63; 93013 1 listings, 0 candidates, bank pressure 66; 93105 1 listings, 1 candidates, bank pressure 66. Santa Barbara, CA totals: 24 listings; Santa Barbara, CA candidates 8; active ZIPs 11.
HUD assisted housing in Santa Barbara, CA
15 assisted properties with 900 units sit in Santa Barbara, CA; largest Santa Barbara, CA properties: Kailani Village (Lompoc) 185 units; Villa Santa Fe Apartments (Santa Barbara) 167 units; Rancho Franciscan Apartments (Santa Barbara) 111 units in Santa Barbara, CA; Villa Caridad Senior Homes (Santa Barbara) 95 units, 94 assisted; Pilgrim Terrace (Santa Barbara) 84 units, 83 assisted; Aparicio Apartments (Goleta) 54 units.
Lenders with branches in Santa Barbara, CA
Santa Barbara, CA lenders by branch count: Montecito Bank&Trust (Santa Barbara, CA): stress 81, 12 branches low in Santa Barbara, CA; Mechanics Bank (Santa Barbara, CA): stress 59, 12 branches low in Santa Barbara, CA; American Riviera Bank (Santa Barbara, CA): stress 67, 4 branches low in Santa Barbara, CA; Community West Bank (Santa Barbara, CA): stress 61, 4 branches low in Santa Barbara, CA; Banc Of California (Santa Barbara, CA): stress 87, 3 branches low in Santa Barbara, CA; Community Bk Of Santa Maria (Santa Barbara, CA): stress 70, 2 branches low in Santa Barbara, CA; Bank Of The Sierra (Santa Barbara, CA): stress 57, 2 branches moderate in Santa Barbara, CA; Poppy Bank (Santa Barbara, CA): stress 69, 1 branch moderate in Santa Barbara, CA.
Vacancy and permits, Santa Barbara, CA
10,984 of 160,592 Santa Barbara, CA housing units are vacant; Santa Barbara, CA permits, twelve months: 869 multifamily units in Santa Barbara, CA, 491 one-to-four unit units.
Work Santa Barbara, CA at the parcel level
Every Santa Barbara, CA parcel carries owner and address; every Santa Barbara, CA parcel carries APN; Santa Barbara, CA distress scores sit on the Santa Barbara, CA live board.
Santa Barbara, CA figures refresh with each source.
Santa Barbara, CA questions
Most distressed ZIP code in Santa Barbara County, CA?
ZIP 93252 leads Santa Barbara, CA at 32/100; next in Santa Barbara, CA: 93013 at 27/100; the Santa Barbara, CA average is 26/100.
Where does Santa Barbara County, CA rank for investment opportunity?
Santa Barbara, CA is #2,955 among all ranked counties, #50 in California; the Santa Barbara, CA driver is bank institutional; Santa Barbara, CA moved down 100 places.
How many mortgages are delinquent in Santa Barbara County, CA?
0.2% of Santa Barbara, CA mortgages were ninety-plus days late in December 2025; the Santa Barbara, CA peak since 2008 was 5.2%.
Which banks lend in Santa Barbara County, CA?
8 watched lenders hold Santa Barbara, CA branches; the largest Santa Barbara, CA footprints are Montecito Bank&Trust (12), Mechanics Bank (12), American Riviera Bank (4).
More on Santa Barbara, CA
Santa Barbara County, CA distress report: public-record figures for Santa Barbara, CA; not legal advice for Santa Barbara, CA; not tax or investment advice; verify every Santa Barbara, CA record before acting.