ZIP 93108 Property Distress & Foreclosure Data

Santa Barbara County, California's ZIP 93108 registers 32/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). By contrast, mortgage stress (18/100) register low. The latent-versus-live split is 72/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (92/100).

The market reads peak — home values rose 2.9% year on year, 1.7% off the recent peak, and 40% lower over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 5,497 housing units. The typical home is worth about $2,000,000 (8.9× income, severely stretched). The poverty rate is 6.8% — low. The demographic-stress sub-score lands at 42/100. Around 74% of adults hold a bachelor's degree or higher. About 11,664 people live here, median age 55. Around 44% of renters are cost-burdened. 75% of housing is owner-occupied. At $223,694, median income runs above typical U.S. levels. The vacancy rate is 16.7% — elevated.

Net-net, 93108 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.