Sonoma County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Sonoma County, California? DLRadar grades every Sonoma County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Sonoma County breakdown.
- Sonoma County's most distressed ZIP is 94574 at 24/100.
- 40 ZIP codes tracked in Sonoma County, averaging 21/100 distress.
- Sonoma County reads peak — home values up 0.9% year over year.
- Vacancy runs 19.4% across Sonoma County's tracked ZIPs, with a 8.1% poverty rate.
- The typical Sonoma County home is worth about $887,218 against a ~$104,453 median income.
- Lending headwind in Sonoma County sits at 56/100 — 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 | 94574 | 24/100 |
| 2 | 94922 | 21/100 |
| 3 | 94923 | 21/100 |
| 4 | 94928 | 21/100 |
| 5 | 94931 | 21/100 |
| 6 | 94951 | 21/100 |
| 7 | 94952 | 21/100 |
| 8 | 94954 | 21/100 |
| 9 | 94972 | 21/100 |
| 10 | 95401 | 21/100 |
| 11 | 95403 | 21/100 |
| 12 | 95404 | 21/100 |
Most distressed ZIP codes in Sonoma County (composite distress 0-100, 2026)
What is driving Sonoma County distress
The Sonoma County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 21/100 ZIP average. No proprietary or modelled inputs enter the score.
Sonoma County market phase and pricing
Sonoma County currently sits in peak after a 0.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Sonoma County
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Questions about this county
Which Sonoma County ZIP scores worst for distress?
ZIP 94574 leads Sonoma County at 24/100, recomputed monthly from public records.
Where is Sonoma County in the housing cycle?
Phase for Sonoma County: peak, tracking a 0.9% gain year over year, read off the FHFA index.
Where does the Sonoma County data come from?
Each Sonoma 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 40 local ZIPs and every other county in the country.
How much do distress scores vary between Sonoma County ZIP codes?
One county number flattens a wide range. Across the Sonoma County ZIPs DLRadar ranks, scores run from 24/100 in 94574 down to 21/100 in 95404, against a Sonoma County average of 21/100. A spread of 3 points means Sonoma County has to be worked ZIP by ZIP.
What do Sonoma County home values and vacancy say about distressed supply?
The typical Sonoma County home carries about $887,218 of value against a median household income near $104,453. Vacancy across Sonoma County's tracked ZIPs runs 19.4% and the poverty rate is 8.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Sonoma County's 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.