Santa Cruz County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Cruz County, CA distress report, 2026: 17 ZIPs scored in Santa Cruz, CA, Santa Cruz, CA average 25/100; the top Santa Cruz, CA ZIP is 95003 at 25/100; Santa Cruz, CA market phase peak, Santa Cruz, CA prices +1.4% year over year.
- Santa Cruz, CA ranks #2,816 nationally (opportunity index); Santa Cruz, CA #46 in California; Santa Cruz, CA index 24.3.
- Santa Cruz, CA ninety-day mortgage delinquency 0.3% in December 2025; Santa Cruz, CA twelve-month change 0.0%.
- Santa Cruz, CA ZIP phases: 17 peak.
- Santa Cruz, CA residential listings tracked: 25 across 17 ZIPs; Santa Cruz, CA candidate listings 17.
- Santa Cruz, CA HUD assisted properties: 12 with 672 units.
- Santa Cruz, CA lenders on watch: 4; largest Santa Cruz, CA footprint West Coast Community Bank (5 branches).
- Santa Cruz, CA most distressed ZIP: 95003 at 25/100.
Santa Cruz, CA figures: DLRadar distress index; Santa Cruz, CA inputs: CFPB, FHFA, HUD, FDIC; Santa Cruz, CA rebuilt as sources refresh.
| Rank | Santa Cruz, CA ZIP | Score |
|---|---|---|
| 1 | 95003 | 25/100 |
| 2 | 95005 | 25/100 |
| 3 | 95006 | 25/100 |
| 4 | 95007 | 25/100 |
| 5 | 95010 | 25/100 |
| 6 | 95017 | 25/100 |
| 7 | 95018 | 25/100 |
| 8 | 95019 | 25/100 |
| 9 | 95041 | 25/100 |
| 10 | 95060 | 25/100 |
| 11 | 95062 | 25/100 |
| 12 | 95064 | 25/100 |
Most distressed Santa Cruz, CA ZIPs (0-100, 2026)
Mortgage delinquency in Santa Cruz, CA
0.3% of Santa Cruz, CA mortgages were ninety-plus days late (Santa Cruz, CA, December 2025); Santa Cruz, CA thirty-to-eighty-nine days late: 0.5%; Santa Cruz, CA twelve-month change 0.0%; Santa Cruz, CA peak since 2008: 4.5% (October 2009); California overall 0.5%. Santa Cruz, CA ninety-day series: Dec 24 0.3, Jan 25 0.4, Feb 25 0.4 (Santa Cruz, CA), Mar 25 0.4, Apr 25 0.2, May 25 0.3 (Santa Cruz, CA), Jun 25 0.3, Jul 25 0.4, Aug 25 0.3 (Santa Cruz, CA), Sep 25 0.4, Oct 25 0.2, Nov 25 0.3 (Santa Cruz, CA), Dec 25 0.3.
Opportunity index: Santa Cruz, CA
Santa Cruz, CA index 24.3, Santa Cruz, CA phase weak; Santa Cruz, CA primary driver bank institutional, Santa Cruz, CA second driver vacancy. Santa Cruz, CA components: property stress 23.9, foreclosure pressure 27.5, listing discounts 12.0, bank stress 56.1, insurance 0.0; Santa Cruz, CA pulse 28.2; Santa Cruz, CA capital opportunity 18.4.
ZIP market phases inside Santa Cruz, CA
17 Santa Cruz, CA ZIPs carry a price-cycle phase; Santa Cruz, CA ZIPs by phase (Santa Cruz, CA), deepest drawdown first: peak, +0.3% YoY, 0.9% off peak (Santa Cruz, CA): 95033; peak, +1.1% YoY, 0.7% off peak (Santa Cruz, CA): 95076; peak, +1.4% YoY, 0.2% off peak (Santa Cruz, CA): 95003, 95005, 95006, 95007, Santa Cruz, CA 95010, 95017, 95018, 95019, Santa Cruz, CA 95041, 95060, 95062, 95064, Santa Cruz, CA 95065, 95066.
Residential listings by Santa Cruz, CA ZIP
Santa Cruz, CA ZIPs with the most tracked Santa Cruz, CA residential listings: 95006 6 listings, 3 candidates, bank pressure 64; 95005 4 listings, 3 candidates, bank pressure 64; 95060 3 listings, 1 candidates, bank pressure 64; 95066 3 listings, 3 candidates, bank pressure 64 (Santa Cruz, CA); 95076 3 listings, 3 candidates, bank pressure 64; 95033 2 listings, 2 candidates, bank pressure 63; 95007 1 listings, 0 candidates, bank pressure 64; 95018 1 listings, 1 candidates, bank pressure 64. Santa Cruz, CA totals: 25 listings; Santa Cruz, CA candidates 17; active ZIPs 10.
HUD assisted housing in Santa Cruz, CA
12 assisted properties with 672 units sit in Santa Cruz, CA; largest Santa Cruz, CA properties: Elizabeth Oaks Apts. (Santa Cruz) 126 units, 126 assisted; Blue Pacific Mobile Home Park (Aptos) 100 units; Garfield Park Village (Santa Cruz) 94 units, 84 assisted in Santa Cruz, CA; Northgate Apartments (Watsonville) 82 units; Via Pacifica Gardens (Aptos) 80 units, 80 assisted; Woodland Senior Apts (Santa Cruz) 68 units.
Lenders with branches in Santa Cruz, CA
Santa Cruz, CA lenders by branch count: West Coast Community Bank (Santa Cruz, CA): stress 38, 5 branches low in Santa Cruz, CA; Liberty Bank National Assn (Santa Cruz, CA): stress 74, 2 branches low in Santa Cruz, CA; Pacific Valley Bank (Santa Cruz, CA): stress 66, 1 branch moderate in Santa Cruz, CA; Mechanics Bank (Santa Cruz, CA): stress 59, 1 branch low in Santa Cruz, CA.
Vacancy and permits, Santa Cruz, CA
10,079 of 106,977 Santa Cruz, CA housing units are vacant; Santa Cruz, CA permits, twelve months: 534 multifamily units in Santa Cruz, CA, 180 one-to-four unit units.
Work Santa Cruz, CA at the parcel level
Every Santa Cruz, CA parcel carries owner and address; every Santa Cruz, CA parcel carries APN; Santa Cruz, CA distress scores sit on the Santa Cruz, CA live board.
Santa Cruz, CA figures refresh with each source.
Santa Cruz, CA questions
Most distressed ZIP code in Santa Cruz County, CA?
ZIP 95003 leads Santa Cruz, CA at 25/100; next in Santa Cruz, CA: 95005 at 25/100; the Santa Cruz, CA average is 25/100.
Where does Santa Cruz County, CA rank for investment opportunity?
Santa Cruz, CA is #2,816 among all ranked counties, #46 in California; the Santa Cruz, CA driver is bank institutional; Santa Cruz, CA moved down 136 places.
How many mortgages are delinquent in Santa Cruz County, CA?
0.3% of Santa Cruz, CA mortgages were ninety-plus days late in December 2025; the Santa Cruz, CA peak since 2008 was 4.5%.
Which banks lend in Santa Cruz County, CA?
4 watched lenders hold Santa Cruz, CA branches; the largest Santa Cruz, CA footprints are West Coast Community Bank (5), Liberty Bank National Assn (2), Pacific Valley Bank (1).
More on Santa Cruz, CA
Santa Cruz County, CA distress report: public-record figures for Santa Cruz, CA; not legal advice for Santa Cruz, CA; not tax or investment advice; verify every Santa Cruz, CA record before acting.