ZIP 93101 Property Distress & Foreclosure Data

DLRadar grades ZIP 93101 (Santa Barbara County, California) at a moderate 32/100 for overall property distress. Structural exposure scores 72 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). Property-level stress concentrates in structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). mortgage stress (18/100) stay muted.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, 1.7% off the recent peak, and 25% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 6.6%. Rent burden reaches 47% of tenant households. The tenure split is 22% owner-occupied to 78% rented. About 41% have a four-year degree. 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. 30,496 residents call 93101 home, typically aged 33. There are about 13,698 housing units across 93101. Households earn a median $79,868 — near the roughly $78,000 national figure. On demographic stress specifically, 93101 scores 55/100.

Overall, 93101 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.