ZIP 93109 Property Distress & Foreclosure Data

ZIP code 93109 in Santa Barbara County, California carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (92/100)). What sets it apart are the readings on structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). On the quiet end sit mortgage stress (18/100). Structural exposure scores 72 and live distress 5 on the 0–100 scale.

The peak-phase market in 93109 posted values that rose 2.9% over the year, 1.7% off the recent peak, and 5% lower over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 11,069 with a median age of 42. Home values center near $1,882,500, an affordability ratio of 14.5× — stretched. 15.3% of residents fall below the poverty threshold. Owners hold 55% of homes, renters 45%. Educational attainment sits at 58% bachelor's-or-above. Rent burden reaches 56% of tenant households. Vacancy runs 7.0%. DLRadar's demographic-stress index for the area reads 51/100. There are about 4,929 housing units across 93109. Median household income is $126,875, above the U.S. median near $78,000.

On balance 93109 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.