California County Foreclosure & Distress Reports (2026)
One report per county — 58 in California — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the California distress hub; insurance pressure is on the California home-insurance page.
58 California county reports sit in this archive; California opportunity phases run 34 weak, 17 early_signal, 5 peak_opportunity; California ninety-day delinquency 0.5%; 120 banks chartered in California; 91,755 HUD-assisted California units.
California counties to open first by opportunity rank: Mariposa (#135, overheated); Plumas (#222, overheated); Lake (#334, peak_opportunity) in California; Calaveras (#334, peak_opportunity); Tuolumne (#502, peak_opportunity); Lassen (#522, peak_opportunity).
California insurance bands across counties: 29 low in California, 14 zero, 12 medium, 3 high; California NFIP claims 974 in three years.
California counties in the peak phase (30): Alameda, Alpine, Contra Costa, Del Norte, Fresno, Humboldt (California), Imperial, Inyo, Lake, Lassen, Los Angeles, Madera (California), Marin, Mendocino, Monterey, Nevada, Orange, Riverside (California), San Bernardino, San Francisco, San Mateo, Santa Barbara, Santa Cruz, Shasta (California), Sonoma, Stanislaus, Sutter, Tehama, Tuolumne, Yuba.
California counties in the contraction phase (26): Amador, Butte, Calaveras, Colusa, El Dorado, Glenn (California), Kern, Kings, Mariposa, Merced, Modoc, Mono (California), Napa, Placer, Plumas, Sacramento, San Benito, San Joaquin (California), Santa Clara, Sierra, Siskiyou, Solano, Trinity, Tulare (California), Ventura, Yolo.
California counties in the neutral phase (2): San Diego, San Luis Obispo.
California permitted 111,538 housing units in twelve months; 1,096,644 California units sit vacant of 14,644,735.
California counties highest on the national opportunity index: Mariposa #135 (36.6/100, overheated); Plumas #222 (35.6/100, overheated); Lake #334 (34.4/100, peak_opportunity) in California; Calaveras #334 (34.4/100, peak_opportunity); Tuolumne #502 (33.4/100, peak_opportunity); Lassen #522 (33.3/100, peak_opportunity) in California; Riverside #537 (33.2/100, peak_opportunity); Mendocino #785 (32.0/100, early_signal); Butte #940 (31.4/100, early_signal) in California; Modoc #1,007 (31.1/100, early_signal); Shasta #1,163 (30.6/100, early_signal); Amador #1,211 (30.4/100, early_signal) in California.
How the California county reports are scored: each California report reads its county's foreclosure filings, California tax-lien and tax-deed records, FHA mortgage delinquency in California (ninety-day rate 0.5%, December 2025), the FDIC stress of California lenders (120 chartered in California) and FEMA/NFIP pressure on California (974 NFIP claims, three years), then scores every California ZIP 0-100.
Mariposa County leads California on the opportunity index at #135 nationally with 13 scored ZIPs. Every California report is rebuilt monthly from public records; a California county whose data lapses keeps its California page and says so.
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