ZIP 93405 Property Distress & Foreclosure Data

San Luis Obispo County, California's ZIP 93405 registers 29/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (75/100), structural risk (62/100), institutional ownership (33/100). By contrast, institutional ownership (33/100) and mortgage stress (14/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100). The latent-versus-live split is 62/100 structural and 4/100 already moving.

The market reads neutral — home values rose 4.5% year on year, and 15% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $52,481, median income runs below typical U.S. levels. Around 75% of renters are cost-burdened. The poverty rate is 44.5% — high, a tax-stress and distress correlate. About 23,856 people live here, median age 23. Around 52% of adults hold a bachelor's degree or higher. The ZIP holds roughly 9,858 housing units. The vacancy rate is 11.7% — elevated. The demographic-stress sub-score lands at 64/100. The typical home is worth about $949,700 (17.1× income, severely stretched). 33% of housing is owner-occupied.

Net-net, 93405 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.