ZIP 93432 Property Distress & Foreclosure Data

San Luis Obispo County, California's ZIP 93432 registers 29/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100). On the structural side it scores 62/100, with 4/100 of stress already active. 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.

The market reads neutral — home values rose 4.5% year on year, and 19% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 5.9% — low. 84% of housing is owner-occupied. At $120,200, median income runs above typical U.S. levels. The ZIP holds roughly 424 housing units. Around 46% of adults hold a bachelor's degree or higher. The typical home is worth about $885,700 (7.5× income, severely stretched). The demographic-stress sub-score lands at 37/100. The vacancy rate is 21.1% — elevated. Around 21% of renters are cost-burdened. About 1,229 people live here, median age 55.

Net-net, 93432 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.