Santa Clara County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Clara County, CA distress report, 2026: 63 ZIPs scored in Santa Clara, CA, Santa Clara, CA average 20/100; the top Santa Clara, CA ZIP is 95076 at 25/100; Santa Clara, CA market phase contraction, Santa Clara, CA prices -1.0% year over year.
- Santa Clara, CA ranks #3,149 nationally (opportunity index); Santa Clara, CA #54 in California; Santa Clara, CA index 21.4.
- Santa Clara, CA ninety-day mortgage delinquency 0.1% in December 2025; Santa Clara, CA twelve-month change -0.1%.
- Santa Clara, CA ZIP phases: 60 contraction, 3 peak.
- Santa Clara, CA residential listings tracked: 119 across 58 ZIPs; Santa Clara, CA candidate listings 40.
- Santa Clara, CA HUD assisted properties: 47 with 4,413 units.
- Santa Clara, CA lenders on watch: 8; largest Santa Clara, CA footprint Cathay Bank (5 branches).
- Santa Clara, CA most distressed ZIP: 95076 at 25/100.
Santa Clara, CA figures: DLRadar distress index; Santa Clara, CA inputs: CFPB, FHFA, HUD, FDIC; Santa Clara, CA rebuilt as sources refresh.
| Rank | Santa Clara, CA ZIP | Score |
|---|---|---|
| 1 | 95076 | 25/100 |
| 2 | 94028 | 24/100 |
| 3 | 95033 | 22/100 |
| 4 | 94303 | 21/100 |
| 5 | 94550 | 21/100 |
| 6 | 94022 | 20/100 |
| 7 | 94024 | 20/100 |
| 8 | 94040 | 20/100 |
| 9 | 94041 | 20/100 |
| 10 | 94043 | 20/100 |
| 11 | 94085 | 20/100 |
| 12 | 94086 | 20/100 |
Most distressed Santa Clara, CA ZIPs (0-100, 2026)
Mortgage delinquency in Santa Clara, CA
0.1% of Santa Clara, CA mortgages were ninety-plus days late (Santa Clara, CA, December 2025); Santa Clara, CA thirty-to-eighty-nine days late: 0.5%; Santa Clara, CA twelve-month change -0.1%; Santa Clara, CA peak since 2008: 5.0% (March 2010); California overall 0.5%. Santa Clara, CA ninety-day series: Dec 24 0.2, Jan 25 0.1, Feb 25 0.1 (Santa Clara, CA), Mar 25 0.1, Apr 25 0.1, May 25 0.1 (Santa Clara, CA), Jun 25 0.2, Jul 25 0.1, Aug 25 0.1 (Santa Clara, CA), Sep 25 0.1, Oct 25 0.2, Nov 25 0.1 (Santa Clara, CA), Dec 25 0.1.
Opportunity index: Santa Clara, CA
Santa Clara, CA index 21.4, Santa Clara, CA phase weak; Santa Clara, CA primary driver bank institutional, Santa Clara, CA second driver vacancy. Santa Clara, CA components: property stress 14.9, foreclosure pressure 16.2, listing discounts 14.5, bank stress 60.7, insurance 0.0; Santa Clara, CA pulse 24.4; Santa Clara, CA capital opportunity 16.8; Santa Clara, CA seven-day change +0.3%.
ZIP market phases inside Santa Clara, CA
63 Santa Clara, CA ZIPs carry a price-cycle phase; Santa Clara, CA ZIPs by phase (Santa Clara, CA), deepest drawdown first: contraction, -1.0% YoY, 1.6% off peak (Santa Clara, CA): 94022, 94024, 94040, 94041, Santa Clara, CA 94043, 94085, 94086, 94087, Santa Clara, CA 94089, 94301, 94304, 94305, Santa Clara, CA 94306, 95002, 95008, 95013.
Residential listings by Santa Clara, CA ZIP
Santa Clara, CA ZIPs with the most tracked Santa Clara, CA residential listings: 95112 11 listings, 8 candidates, bank pressure 63; 95125 9 listings, 2 candidates, bank pressure 63; 94303 6 listings, 6 candidates, bank pressure 63; 95123 6 listings, 3 candidates, bank pressure 63 (Santa Clara, CA); 95126 5 listings, 1 candidates, bank pressure 63; 95127 5 listings, 1 candidates, bank pressure 63; 95128 5 listings, 0 candidates, bank pressure 63; 95032 4 listings, 0 candidates, bank pressure 63. Santa Clara, CA totals: 119 listings; Santa Clara, CA candidates 40; active ZIPs 40.
HUD assisted housing in Santa Clara, CA
47 assisted properties with 4,413 units sit in Santa Clara, CA; largest Santa Clara, CA properties: The Meadows (Sunnyvale) 336 units; Monte Vista Apts (Milpitas) 306 units; Renaissance Apartments (Sunnyvale) 268 units in Santa Clara, CA; West Park Apartments (San Jose) 263 units; Parkside Glen Apartments (San Jose) 180 units; San Jose Gardens (San Jose) 176 units, 162 assisted.
Lenders with branches in Santa Clara, CA
Santa Clara, CA lenders by branch count: Cathay Bank (Santa Clara, CA): stress 51, 5 branches low in Santa Clara, CA; Citizens Business Bank Na (Santa Clara, CA): stress 50, 5 branches low in Santa Clara, CA; Poppy Bank (Santa Clara, CA): stress 69, 4 branches low in Santa Clara, CA; East West Bank (Santa Clara, CA): stress 56, 4 branches low in Santa Clara, CA; Pinnacle Bank (Santa Clara, CA): stress 72, 3 branches low in Santa Clara, CA; City National Bank (Santa Clara, CA): stress 66, 3 branches low in Santa Clara, CA; United Business Bank (Santa Clara, CA): stress 79, 2 branches low in Santa Clara, CA; Fremont Bank (Santa Clara, CA): stress 75, 2 branches low in Santa Clara, CA.
Vacancy and permits, Santa Clara, CA
39,484 of 698,837 Santa Clara, CA housing units are vacant; Santa Clara, CA permits, twelve months: 4,828 multifamily units in Santa Clara, CA, 1,832 one-to-four unit units.
Work Santa Clara, CA at the parcel level
Every Santa Clara, CA parcel carries owner and address; every Santa Clara, CA parcel carries APN; Santa Clara, CA distress scores sit on the Santa Clara, CA live board.
Santa Clara, CA figures refresh with each source.
Santa Clara, CA questions
Most distressed ZIP code in Santa Clara County, CA?
ZIP 95076 leads Santa Clara, CA at 25/100; next in Santa Clara, CA: 94028 at 24/100; the Santa Clara, CA average is 20/100.
Where does Santa Clara County, CA rank for investment opportunity?
Santa Clara, CA is #3,149 among all ranked counties, #54 in California; the Santa Clara, CA driver is bank institutional; Santa Clara, CA moved down 63 places.
How many mortgages are delinquent in Santa Clara County, CA?
0.1% of Santa Clara, CA mortgages were ninety-plus days late in December 2025; the Santa Clara, CA peak since 2008 was 5.0%.
Which banks lend in Santa Clara County, CA?
8 watched lenders hold Santa Clara, CA branches; the largest Santa Clara, CA footprints are Cathay Bank (5), Citizens Business Bank Na (5), Poppy Bank (4).
More on Santa Clara, CA
Santa Clara County, CA distress report: public-record figures for Santa Clara, CA; not legal advice for Santa Clara, CA; not tax or investment advice; verify every Santa Clara, CA record before acting.