Santa Cruz County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Santa Cruz County, California? DLRadar grades every Santa Cruz County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Santa Cruz County breakdown.
- Santa Cruz County's most distressed ZIP is 95076 at 25/100.
- 17 ZIP codes tracked in Santa Cruz County, averaging 24/100 distress.
- Santa Cruz County reads peak — home values up 1.4% year over year.
- Vacancy runs 9.4% across Santa Cruz County's tracked ZIPs, with a 8.1% poverty rate.
- The typical Santa Cruz County home is worth about $981,200 against a ~$110,636 median income.
- Lending headwind in Santa Cruz County sits at 51/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 95076 | 25/100 |
| 2 | 95003 | 24/100 |
| 3 | 95005 | 24/100 |
| 4 | 95006 | 24/100 |
| 5 | 95007 | 24/100 |
| 6 | 95010 | 24/100 |
| 7 | 95017 | 24/100 |
| 8 | 95018 | 24/100 |
| 9 | 95019 | 24/100 |
| 10 | 95041 | 24/100 |
| 11 | 95060 | 24/100 |
| 12 | 95062 | 24/100 |
Most distressed ZIP codes in Santa Cruz County (composite distress 0-100, 2026)
What is driving Santa Cruz County distress
Santa Cruz County's placement in the national index rests on public filings — a 24/100 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 Cruz County market phase and pricing
Phase for Santa Cruz County: peak (+1.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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Questions and answers
Which ZIP code leads Santa Cruz County on distress?
ZIP 95076 leads Santa Cruz County at 25/100, recomputed monthly from public records.
What market phase is Santa Cruz County in?
Santa Cruz County currently sits in peak, with values up 1.4% year on year, based on FHFA price-index trajectory.
Can the Santa Cruz County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 17 ZIP codes in Santa Cruz County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Santa Cruz County ZIP codes?
Averaging the county conceals how uneven it is. Across the Santa Cruz County ZIPs DLRadar ranks, scores run from 25/100 in 95076 down to 24/100 in 95062, against a Santa Cruz County average of 24/100. A spread of 1 points means Santa Cruz County has to be worked ZIP by ZIP.
What do Santa Cruz County home values and vacancy say about distressed supply?
The typical Santa Cruz County home carries about $981,200 of value against a median household income near $110,636. Vacancy across Santa Cruz County's tracked ZIPs runs 9.4% and the poverty rate is 8.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Santa Cruz County's foreclosure and tax-lien filings and its 51/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.