ZIP 92040 Property Distress & Foreclosure Data

Composite property distress in 92040 (San Diego County, California) lands at 34/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (98/100), FEMA disaster exposure (64/100). The latent-versus-live split is 75/100 structural and 6/100 already moving. The sharpest non-environmental signals are structural risk (75/100), institutional ownership (56/100), construction/permit lag (49/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 1.5% year on year, and 14% higher over three years (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

Median household income is $103,585, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 41/100. Home values center near $723,200, an affordability ratio of 6.3×. Owners hold 66% of homes, renters 34%. The ZIP holds roughly 16,106 housing units. Educational attainment sits at 25% bachelor's-or-above. 8.9% of residents fall below the poverty threshold. About 45,978 people live here, median age 39. Around 52% of renters are cost-burdened. The vacancy rate is 4.4%.

Net-net, 92040 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.