Sonoma County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sonoma County, CA distress report, 2026: 40 ZIPs scored in Sonoma, CA, Sonoma, CA average 21/100; the top Sonoma, CA ZIP is 94574 at 23/100; Sonoma, CA market phase peak, Sonoma, CA prices +0.9% year over year.
- Sonoma, CA ranks #2,784 nationally (opportunity index); Sonoma, CA #44 in California; Sonoma, CA index 24.5.
- Sonoma, CA ninety-day mortgage delinquency 0.2% in December 2025; Sonoma, CA twelve-month change 0.0%.
- Sonoma, CA ZIP phases: 38 peak, 2 contraction.
- Sonoma, CA residential listings tracked: 92 across 38 ZIPs; Sonoma, CA candidate listings 47.
- Sonoma, CA HUD assisted properties: 26 with 1,079 units.
- Sonoma, CA lenders on watch: 7; largest Sonoma, CA footprint Exchange Bank (16 branches).
- Sonoma, CA most distressed ZIP: 94574 at 23/100.
Sonoma, CA figures: DLRadar distress index; Sonoma, CA inputs: CFPB, FHFA, HUD, FDIC; Sonoma, CA rebuilt as sources refresh.
| Rank | Sonoma, CA ZIP | Score |
|---|---|---|
| 1 | 94574 | 23/100 |
| 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 Sonoma, CA ZIPs (0-100, 2026)
Mortgage delinquency in Sonoma, CA
0.2% of Sonoma, CA mortgages were ninety-plus days late (Sonoma, CA, December 2025); Sonoma, CA thirty-to-eighty-nine days late: 0.9%; Sonoma, CA twelve-month change 0.0%; Sonoma, CA peak since 2008: 5.0% (February 2010); California overall 0.5%. Sonoma, CA ninety-day series: Dec 24 0.2, Jan 25 0.2, Feb 25 0.3 (Sonoma, CA), Mar 25 0.2, Apr 25 0.3, May 25 0.3 (Sonoma, CA), Jun 25 0.2, Jul 25 0.1, Aug 25 0.2 (Sonoma, CA), Sep 25 0.2, Oct 25 0.2, Nov 25 0.2 (Sonoma, CA), Dec 25 0.2.
Opportunity index: Sonoma, CA
Sonoma, CA index 24.5, Sonoma, CA phase weak; Sonoma, CA primary driver bank institutional, Sonoma, CA second driver vacancy. Sonoma, CA components: property stress 21.0, foreclosure pressure 24.4, listing discounts 18.2, bank stress 61.2, insurance 0.0; Sonoma, CA pulse 27.9; Sonoma, CA capital opportunity 19.3.
ZIP market phases inside Sonoma, CA
40 Sonoma, CA ZIPs carry a price-cycle phase; Sonoma, CA ZIPs by phase (Sonoma, CA), deepest drawdown first: contraction, -2.0% YoY, 2.1% off peak (Sonoma, CA): 94574; contraction, -0.6% YoY, 1.0% off peak (Sonoma, CA): 94515; peak, +0.7% YoY, 0.1% off peak (Sonoma, CA): 94952; peak, +0.8% YoY, 0.1% off peak (Sonoma, CA): 95425; peak, +0.8% YoY, 0.0% off peak (Sonoma, CA): 95476; peak, +0.9% YoY (Sonoma, CA): 94922, 94923, 94928, 94931, Sonoma, CA 94951, 94954, 94972, 95401, Sonoma, CA 95403, 95404, 95405.
Residential listings by Sonoma, CA ZIP
Sonoma, CA ZIPs with the most tracked Sonoma, CA residential listings: 95407 13 listings, 4 candidates, bank pressure 66; 95476 11 listings, 3 candidates, bank pressure 63; 95401 10 listings, 4 candidates, bank pressure 66; 95405 6 listings, 4 candidates, bank pressure 66 (Sonoma, CA); 95409 6 listings, 3 candidates, bank pressure 66; 95446 6 listings, 6 candidates, bank pressure 66; 95436 5 listings, 4 candidates, bank pressure 66; 95403 4 listings, 3 candidates, bank pressure 66. Sonoma, CA totals: 92 listings; Sonoma, CA candidates 47; active ZIPs 19.
HUD assisted housing in Sonoma, CA
26 assisted properties with 1,079 units sit in Sonoma, CA; largest Sonoma, CA properties: Vineyard Creek Apartment Homes (Santa Rosa) 232 units; Walnut Creek Apartments (Santa Rosa) 143 units; Chelsea Gardens One And Two (Santa Rosa) 120 units, 120 assisted in Sonoma, CA; Burbank Orchards (Sebastopol) 60 units, 60 assisted; Vinecrest Senior Apartments (Windsor) 60 units, 59 assisted; Petaluma Senior Apts (Petaluma) 57 units, 57 assisted.
Lenders with branches in Sonoma, CA
Sonoma, CA lenders by branch count: Exchange Bank (Sonoma, CA): stress 68, 16 branches low in Sonoma, CA; Westamerica Bank (Sonoma, CA): stress 52, 9 branches moderate in Sonoma, CA; Poppy Bank (Sonoma, CA): stress 69, 6 branches low in Sonoma, CA; Bank Of Marin (Sonoma, CA): stress 67, 5 branches moderate in Sonoma, CA; Summit State Bank (Sonoma, CA): stress 87, 4 branches low in Sonoma, CA; Mechanics Bank (Sonoma, CA): stress 59, 2 branches moderate in Sonoma, CA; Tri Counties Bank (Sonoma, CA): stress 49, 1 branch low in Sonoma, CA.
Vacancy and permits, Sonoma, CA
16,701 of 207,699 Sonoma, CA housing units are vacant; Sonoma, CA permits, twelve months: 859 multifamily units in Sonoma, CA, 854 one-to-four unit units.
Work Sonoma, CA at the parcel level
Every Sonoma, CA parcel carries owner and address; every Sonoma, CA parcel carries APN; Sonoma, CA distress scores sit on the Sonoma, CA live board.
Sonoma, CA figures refresh with each source.
Sonoma, CA questions
Most distressed ZIP code in Sonoma County, CA?
ZIP 94574 leads Sonoma, CA at 23/100; next in Sonoma, CA: 94922 at 21/100; the Sonoma, CA average is 21/100.
Where does Sonoma County, CA rank for investment opportunity?
Sonoma, CA is #2,784 among all ranked counties, #44 in California; the Sonoma, CA driver is bank institutional; Sonoma, CA moved down 59 places.
How many mortgages are delinquent in Sonoma County, CA?
0.2% of Sonoma, CA mortgages were ninety-plus days late in December 2025; the Sonoma, CA peak since 2008 was 5.0%.
Which banks lend in Sonoma County, CA?
7 watched lenders hold Sonoma, CA branches; the largest Sonoma, CA footprints are Exchange Bank (16), Westamerica Bank (9), Poppy Bank (6).
More on Sonoma, CA
Sonoma County, CA distress report: public-record figures for Sonoma, CA; not legal advice for Sonoma, CA; not tax or investment advice; verify every Sonoma, CA record before acting.