ZIP 93101 Foreclosure, Tax-Lien & Distress Report

ZIP code 93101 in Santa Barbara County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 56 and live distress 5 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (92/100). Its standout signals are structural risk (56/100), institutional ownership (42/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) register low.

The market reads peak — home values rose 2.1% year on year, and 25% higher over three years (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 6.6%. Rent burden reaches 47% of tenant households. The tenure split is 22% owner-occupied to 78% rented. Educational attainment sits at 41% bachelor's-or-above. A median home runs $1,184,000 here, or 14.1 times local income. Roughly 17.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 30,496 people live here, median age 33. The ZIP holds roughly 13,698 housing units. Median household income is $79,868, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 55/100.

On balance 93101 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 93101 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 93101's 26/100 can be lined up against any neighbor in Santa Barbara County, California or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 93101, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 for 93101 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 93101 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.