Santa Clara County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Santa Clara County, California? DLRadar grades every Santa Clara County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Santa Clara County breakdown.
- Santa Clara County's most distressed ZIP is 95076 at 25/100.
- 63 ZIP codes tracked in Santa Clara County, averaging 20/100 distress.
- Santa Clara County reads contraction — home values down 1.0% year over year, 1.6% off peak.
- Vacancy runs 6.7% across Santa Clara County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Santa Clara County home is worth about $1,470,202 against a ~$157,157 median income.
- Lending headwind in Santa Clara County sits at 56/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95076 | 25/100 |
| 2 | 94028 | 22/100 |
| 3 | 95033 | 22/100 |
| 4 | 94550 | 21/100 |
| 5 | 94022 | 20/100 |
| 6 | 94024 | 20/100 |
| 7 | 94040 | 20/100 |
| 8 | 94041 | 20/100 |
| 9 | 94043 | 20/100 |
| 10 | 94085 | 20/100 |
| 11 | 94086 | 20/100 |
| 12 | 94087 | 20/100 |
Most distressed ZIP codes in Santa Clara County (composite distress 0-100, 2026)
What is driving Santa Clara County distress
Santa Clara County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Santa Clara County market phase and pricing
Santa Clara County currently sits in contraction after a 1.0% decline in the past twelve months, 1.6% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked questions
What is the most distressed ZIP code in Santa Clara County, CA?
ZIP 95076 leads Santa Clara County at 25/100, recomputed monthly from public records.
Which phase does Santa Clara County sit in right now?
Santa Clara County currently sits in contraction, with values down 1.0% year on year, based on FHFA price-index trajectory.
Can the Santa Clara County figures be verified?
Each Santa Clara County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 63 local ZIPs and every other county in the country.
How much do distress scores vary between Santa Clara County ZIP codes?
The county figure is a blend, not a description. Across the Santa Clara County ZIPs DLRadar ranks, scores run from 25/100 in 95076 down to 20/100 in 94087, against a Santa Clara County average of 20/100. A spread of 5 points means Santa Clara County has to be worked ZIP by ZIP.
What do Santa Clara County home values and vacancy say about distressed supply?
The typical Santa Clara County home carries about $1,470,202 of value against a median household income near $157,157. Vacancy across Santa Clara County's tracked ZIPs runs 6.7% and the poverty rate is 7.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Santa Clara County's foreclosure and lien filings and its 56/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.