Monterey County, CA: Foreclosures, Tax Liens & Distressed Properties

Monterey County, CA, California: 33 ZIP codes scored, Monterey County, CA averaging 26/100 (low, Monterey, CA), from 21 to 26. Monterey County, CA is in its peak phase (Monterey, CA confidence 11/100): Monterey, CA home prices up 0.5% (Monterey, CA) over twelve months, 2.2% under their peak. Monterey County, CA lender headwind: 53/100.

Highest-scoring Monterey County, CA ZIPs: 93426 (26/100), 93450 (26/100), 93451 (26/100), 93901 (26/100), 93905 (26/100), 93906 (26/100). Also scored in Monterey County, CA: 93907, 93908, 93920, 93921, 93923, 93924, 93925, 93926, 93927, 93928.

Across Monterey County, CA's scored ZIPs: median home value $870,690, household income $92,912, 12.3% vacancy, 13.0% poverty, 54% owner-occupied, median age 40.1.

Monterey County, CA insurance distress 63/100 (#816 in the US); FEMA hazard 50/100 for Monterey, CA; 3 federal disaster declarations in Monterey County, CA since 2023; 4 Monterey, CA NFIP flood claims, $365K paid; Monterey, CA construction distress 9/100.

13 banks with 65 branches lend in Monterey County, CA; Monterey, CA weighted bank stress 66/100, highest 86/100 in Monterey, CA.

Monterey County, CA unemployment 5.7% (Monterey, CA -5.1 pts, six months); 881 new housing units permitted in Monterey County, CA over twelve months, Monterey, CA up 42% from 622; Monterey, CA home prices +7.9% a year (Monterey, CA) over three years.

145,469 housing units in Monterey County, CA; 63,013 Monterey, CA renter households; 53% of Monterey, CA renters spend 30%+ of income on rent, 25% (Monterey, CA) half or more.

Monterey County, CA ranks #2,871 nationally on the opportunity index (Monterey, CA, among all ranked counties); Monterey, CA scores 24.0/100 and Monterey, CA sits #48 inside California. Monterey, CA is in the weak opportunity phase; Monterey, CA's primary driver is bank institutional, Monterey, CA second driver vacancy; Monterey, CA moved down 508 places. 3 short-sale listings across Monterey, CA; 90 days on market observed in Monterey, CA; 6.7% vacancy over 33 Monterey, CA ZIPs.

0.3% of Monterey County, CA mortgages were ninety-plus days late in December 2025; Monterey, CA's thirty-to-eighty-nine-day share was 1.1% (CFPB county sample). Monterey, CA's ninety-day rate is down 0.1 points on twelve months earlier; the Monterey, CA peak since 2008 was 8.5% in February 2010; California overall reads 0.5%.

Monterey County, CA has 6 watched banks; 6 Monterey, CA banks sit in an elevated band. Monterey, CA footprints: Mechanics Bank (9 branches, stress 59) in Monterey, CA; Monterey County Bank (4 branches, stress 86) in Monterey, CA; Pacific Valley Bank (4 branches, stress 66) in Monterey, CA.

HUD lists 17 assisted multifamily properties in Monterey County, CA with 1,241 units; 251 Monterey, CA units are assisted, 4 Monterey, CA properties under project-based Section 8.

12,980 of the 145,469 housing units in Monterey, CA sit vacant. Monterey County, CA permitted 166 multifamily units in twelve months; Monterey, CA's one-to-four unit structures added 715 units in Monterey County, CA.