ZIP 92108 Foreclosure, Tax-Lien & Distress Report
San Diego County, California · Distress market
In San Diego County, California, ZIP 92108 scores 34 of 100 for composite distress, a moderate level on DLRadar's distress index. The split runs 76/100 structural to 6/100 active on the ground. Leading the profile are structural risk (76/100), construction/permit lag (65/100), institutional ownership (50/100). On the quiet end sit mortgage stress (21/100). Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (99/100)).
The market reads neutral — home values rose 2.0% year on year (phase confidence 11/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The tenure split is 29% owner-occupied to 71% rented. A median home runs $618,700 here, or 6.0 times local income. The poverty rate is 11.1%. The vacancy rate is 6.8%. Population is roughly 24,401 with a median age of 34. The ZIP holds roughly 14,927 housing units. DLRadar's demographic-stress index for the area reads 39/100. Median household income is $101,704, above the U.S. median near $78,000. Around 44% of renters are cost-burdened. Around 58% of adults hold a bachelor's degree or higher.
On balance 92108 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 92108 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 92108 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 92108 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 34/100 figure for 92108 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 92108 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 92108
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 92108 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 92108, drawn from the same report attached to each property.
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Unlock the full ZIP 92108 acquisition report
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No modelling: every input is a public record · methodology