ZIP 93105 Property Distress & Foreclosure Data

In Santa Barbara County, California, ZIP 93105 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (92/100). Its standout signals are structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). By contrast, mortgage stress (18/100) register low. Structural exposure scores 72 and live distress 5 on the 0–100 scale.

The market reads peak — home values rose 2.9% year on year, 1.7% off the recent peak, and 5% lower over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 25,055 people live here, median age 48. The typical home is worth about $1,663,000 (11.6× income, severely stretched). Vacancy runs 7.1%. 54% of housing is owner-occupied. There are about 11,515 housing units across 93105. At $129,549, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 49/100. Rent burden reaches 47% of tenant households. Around 60% of adults hold a bachelor's degree or higher. The poverty rate is 8.8%.

Net-net, 93105 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.