ZIP 93427 Property Distress & Foreclosure Data

Composite property distress in 93427 (Santa Barbara County, California) lands at 32/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (92/100)). The latent-versus-live split is 72/100 structural and 5/100 already moving. The sharpest non-environmental signals are structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). On the quiet end sit mortgage stress (18/100).

The peak-phase market in 93427 posted values that rose 2.9% over the year, 1.7% off the recent peak, and 15% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 32% of renters are cost-burdened. 3.3% of residents fall below the poverty threshold. Educational attainment sits at 42% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 39/100. The ZIP holds roughly 2,626 housing units. Home values center near $867,500, an affordability ratio of 7.2× — stretched. The vacancy rate is 16.4% — elevated. Owners hold 63% of homes, renters 37%. Median household income is $106,442, above the U.S. median near $78,000. Population is roughly 5,866 with a median age of 39.

On the whole, 93427 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.