ZIP 92128 Property Distress & Foreclosure Data

ZIP code 92128 in San Diego County, California carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (98/100), FEMA disaster exposure (64/100)). What sets it apart are the readings on structural risk (75/100), institutional ownership (56/100), construction/permit lag (49/100). On the quiet end sit mortgage stress (21/100). Structural risk reads 75/100 against active distress of 6/100.

The peak-phase market in 92128 posted values that rose 1.5% over the year, and 7% higher over three years, at 29/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 65% owner-occupied to 35% rented. Households earn a median $128,150 — above the roughly $78,000 national figure. Population is roughly 48,492 with a median age of 44. Rent burden reaches 40% of tenant households. A median home runs $927,100 here, or 6.8 times local income. Vacancy runs 4.7%. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. About 64% have a four-year degree. There are about 21,284 housing units across 92128. On demographic stress specifically, 92128 scores 36/100.

On balance 92128 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.