ZIP 93401 Property Distress & Foreclosure Data

ZIP code 93401 in San Luis Obispo County, California carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (96/100). The latent-versus-live split is 62/100 structural and 4/100 already moving. What sets it apart are the readings on construction/permit lag (75/100), structural risk (62/100), institutional ownership (33/100). institutional ownership (33/100) and mortgage stress (14/100) stay muted.

Prices here sit in a neutral phase: values rose 4.5% over the trailing year, and 19% higher over three years (phase confidence 40/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $973,000 here, or 9.9 times local income. The vacancy rate is 6.3%. Households earn a median $95,386 — above the roughly $78,000 national figure. The ZIP holds roughly 14,459 housing units. About 57% have a four-year degree. The tenure split is 47% owner-occupied to 53% rented. Roughly 14.9% live below the poverty line. On demographic stress specifically, 93401 scores 50/100. Around 49% of renters are cost-burdened. 29,995 residents call 93401 home, typically aged 36.

Overall, 93401 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.