ZIP 92105 Property Distress & Foreclosure Data

ZIP code 92105 in San Diego County, California carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (98/100), FEMA disaster exposure (64/100). On the structural side it scores 75/100, with 6/100 of stress already active. What sets it apart are the readings on structural risk (75/100), institutional ownership (56/100), construction/permit lag (49/100). mortgage stress (21/100) stay muted.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 15% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $65,174, median income runs below typical U.S. levels. Around 51% of renters are cost-burdened. 32% of housing is owner-occupied. The vacancy rate is 5.0%. The poverty rate is 21.8% — high, a tax-stress and distress correlate. 71,284 residents call 92105 home, typically aged 34. Around 21% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 56/100. The typical home is worth about $635,600 (9.1× income, severely stretched). The ZIP holds roughly 23,944 housing units.

Taken together, 92105 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.