ZIP 92128 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 92128 (San Diego County, California) returns a moderate composite of 34/100. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (99/100). What sets it apart are the readings on structural risk (76/100), construction/permit lag (65/100), institutional ownership (50/100). mortgage stress (21/100) stay muted. On the structural side it scores 76/100, with 6/100 of stress already active.

The neutral-phase market in 92128 posted values that rose 2.0% over the year, and 7% higher over three years, at 11/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

65% of housing is owner-occupied. Households earn a median $128,150 — above the roughly $78,000 national figure. About 48,492 people live here, median age 44. Around 40% of renters are cost-burdened. The typical home is worth about $927,100 (6.8× income). The vacancy rate is 4.7%. 5.4% of residents fall below the poverty threshold. Educational attainment sits at 64% bachelor's-or-above. There are about 21,284 housing units across 92128. On demographic stress specifically, 92128 scores 36/100.

Net-net, 92128 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.

The 92128 read uses the identical scoring model applied coast to coast, which means its 34/100 score means exactly what it means anywhere else, and 92128 stays directly comparable to neighboring ZIPs and the rest of San Diego County, California. Every figure is auditable to a public dataset and refreshed as records update; 92128 shows blanks, not estimates, wherever the record is sparse.

92128's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 92128 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.