San Luis Obispo County, CA: Foreclosures, Tax Liens & Distressed Properties
San Luis Obispo County, CA, California: 30 ZIP codes scored, San Luis Obispo County, CA averaging 25/100 (low, San Luis Obispo, CA), from 24 to 32. San Luis Obispo County, CA is in its neutral phase (San Luis Obispo, CA confidence 32/100): San Luis Obispo, CA home prices up 3.7% (San Luis Obispo, CA) over twelve months. San Luis Obispo County, CA lender headwind: 17/100.
Highest-scoring San Luis Obispo County, CA ZIPs: 93252 (32/100), 93254 (26/100), 93426 (26/100), 93434 (26/100), 93451 (26/100), 93458 (26/100). Also scored in San Luis Obispo County, CA: 93454, 93461, 93401, 93402, 93405, 93407, 93408, 93409, 93410, 93420.
Across San Luis Obispo County, CA's scored ZIPs: median home value $719,042, household income $88,442, 17.1% vacancy, 15.2% poverty, 61% owner-occupied, median age 42.8.
San Luis Obispo County, CA insurance distress 38/100 (#1,368 in the US); FEMA hazard 50/100 for San Luis Obispo, CA; 3 federal disaster declarations in San Luis Obispo County, CA since 2023; 3 San Luis Obispo, CA NFIP flood claims; San Luis Obispo, CA construction distress 35/100.
14 banks with 54 branches lend in San Luis Obispo County, CA; San Luis Obispo, CA weighted bank stress 62/100, highest 87/100 in San Luis Obispo, CA.
San Luis Obispo County, CA unemployment 4.7% (San Luis Obispo, CA +0.3 pts, six months); 865 new housing units permitted in San Luis Obispo County, CA over twelve months, San Luis Obispo, CA up 15% from 754; San Luis Obispo, CA home prices +9.0% a year (San Luis Obispo, CA) over three years.
125,669 housing units in San Luis Obispo County, CA; 41,494 San Luis Obispo, CA renter households; 54% of San Luis Obispo, CA renters spend 30%+ of income on rent, 29% (San Luis Obispo, CA) half or more.
San Luis Obispo County, CA ranks #2,304 nationally on the opportunity index (San Luis Obispo, CA, among all ranked counties); San Luis Obispo, CA scores 26.7/100 and San Luis Obispo, CA sits #31 inside California. San Luis Obispo, CA is in the weak opportunity phase; San Luis Obispo, CA's primary driver is bank institutional, San Luis Obispo, CA second driver vacancy; San Luis Obispo, CA moved down 539 places. 5 short-sale listings across San Luis Obispo, CA; 78 days on market observed in San Luis Obispo, CA; 10.4% vacancy over 30 San Luis Obispo, CA ZIPs.
0.3% of San Luis Obispo County, CA mortgages were ninety-plus days late in December 2025; San Luis Obispo, CA's thirty-to-eighty-nine-day share was 0.7% (CFPB county sample). San Luis Obispo, CA's ninety-day rate is unchanged on twelve months earlier; the San Luis Obispo, CA peak since 2008 was 4.3% in February 2010; California overall reads 0.5%.
San Luis Obispo County, CA has 8 watched banks; 8 San Luis Obispo, CA banks sit in an elevated band. San Luis Obispo, CA footprints: Mechanics Bank (12 branches, stress 59) in San Luis Obispo, CA; Banc Of California (3 branches, stress 87) in San Luis Obispo, CA; American Riviera Bank (3 branches, stress 67) in San Luis Obispo, CA.
HUD lists 4 assisted multifamily properties in San Luis Obispo County, CA with 213 units; 103 San Luis Obispo, CA units are assisted, 1 San Luis Obispo, CA properties under project-based Section 8.
16,166 of the 125,669 housing units in San Luis Obispo, CA sit vacant. San Luis Obispo County, CA permitted 123 multifamily units in twelve months; San Luis Obispo, CA's one-to-four unit structures added 742 units in San Luis Obispo County, CA.