ZIP 93109 Foreclosure, Tax-Lien & Distress Report

ZIP 93109's composite property-distress score is 26/100 - DLRadar classes that as low for Santa Barbara County, California. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (92/100)). Leading the profile are structural risk (56/100), institutional ownership (42/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) register low. Structural risk reads 56/100 against active distress of 5/100.

The market reads peak — home values rose 2.1% year on year, and 5% lower over three years (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

11,069 residents call 93109 home, typically aged 42. A median home runs $1,882,500 here, or 14.5 times local income. Roughly 15.3% live below the poverty line. The tenure split is 55% owner-occupied to 45% rented. About 58% have a four-year degree. Around 56% of renters are cost-burdened. Vacancy runs 7.0%. On demographic stress specifically, 93109 scores 51/100. The ZIP holds roughly 4,929 housing units. Median household income is $126,875, above the U.S. median near $78,000.

Overall, 93109 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 93109 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 93109 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 93109 can be compared directly against any other ZIP in Santa Barbara County, California or nationwide. The score is rebuilt from public data as it updates, so 93109 reflects the current record instead of a stale or modeled snapshot.

93109's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 93109 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.