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Where distress is building, which way the cycle is turning, and what is live now.

ZIP 92251 Foreclosure, Tax-Lien & Distress Report

Imperial County, California · Distress market

On DLRadar's 0-100 public-record scale, ZIP 92251 in Imperial County, California comes in at 20, a low composite-distress reading. The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (43/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (95/100). Latent structural risk is 43/100 while live distress already moving reads 1/100.

The market reads peak — home values rose 2.7% year on year, and 22% higher over three years (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 11.9% — elevated. Population is roughly 27,197 with a median age of 34. Roughly 13.3% live below the poverty line. Around 37% of renters are cost-burdened. About 17% have a four-year degree. On demographic stress specifically, 92251 scores 36/100. Median household income is $83,709, near the U.S. median near $78,000. Home values center near $368,700, an affordability ratio of 4.2×. There are about 7,575 housing units across 92251. Owners hold 67% of homes, renters 33%.

Overall 92251 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 92251 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Imperial County, California and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 92251 shows blanks, not estimates, wherever the record is sparse.

Each component behind 92251 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. The point of the 92251 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.

20/100
Composite stress
43/100
Structural risk
1/100
Distress activity

ZIP 92251 distress signals, scored

Foreclosure activity0
Mortgage stress4
Climate / FEMA risk95
9 further dimensions of distress are measured for this ZIP

Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.

ZIP 92251 Stress Report snapshot

92251 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.

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Each signal above is traceable to an open dataset · methodology

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