ZIP 93405 Foreclosure, Tax-Lien & Distress Report
San Luis Obispo County, California · High Poverty market
San Luis Obispo County, California's ZIP 93405 registers 24/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (50/100), construction/permit lag (35/100), institutional ownership (27/100). institutional ownership (27/100) and mortgage stress (14/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100). Latent structural risk is 50/100 while live distress already moving reads 4/100.
The neutral-phase market in 93405 posted values that rose 3.7% over the year, and 15% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Households earn a median $52,481 — below the roughly $78,000 national figure. Around 75% of renters are cost-burdened. Roughly 44.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 23,856 people live here, median age 23. About 52% have a four-year degree. There are about 9,858 housing units across 93405. The vacancy rate is 11.7% — elevated. The demographic-stress sub-score lands at 64/100. Home values center near $949,700, an affordability ratio of 17.1× — stretched. 33% of housing is owner-occupied.
On the whole, 93405 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 93405 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 93405's 24/100 can be lined up against any neighbor in San Luis Obispo County, California or any ZIP coast to coast. Sparse data for 93405 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 24/100 for 93405 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 93405 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 93405’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 93405 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 93405, drawn from the same report attached to each property.
San Luis Obispo County ZIPs near 93405
Nearest ZIP codes to 93405
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring California distress
Additional distress intelligence spanning San Luis Obispo County, California by ZIP, county and state.
See every distressed parcel in 93405
Every distressed parcel in 93405 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology