ZIP 93103 Property Distress & Foreclosure Data

Santa Barbara County, California's ZIP 93103 registers 32/100 composite distress, which DLRadar reads as moderate. Structural risk reads 72/100 against active distress of 5/100. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (92/100)). The most distinctive pressure shows up in structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). On the quiet end sit mortgage stress (18/100).

The peak-phase market in 93103 posted values that rose 2.9% over the year, 1.7% off the recent peak, and 30% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 46% of homes, renters 54%. Median household income is $118,118, above the U.S. median near $78,000. Population is roughly 19,803 with a median age of 40. Educational attainment sits at 46% bachelor's-or-above. Home values center near $1,663,600, an affordability ratio of 13.2× — stretched. There are about 8,056 housing units across 93103. Rent burden reaches 43% of tenant households. DLRadar's demographic-stress index for the area reads 51/100. Vacancy runs 5.5%. 10.5% of residents fall below the poverty threshold.

On balance 93103 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.