ZIP 93434 Property Distress & Foreclosure Data

In Santa Barbara County, California, ZIP 93434 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (71/100), construction/permit lag (53/100), institutional ownership (47/100). mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (91/100). The latent-versus-live split is 71/100 structural and 5/100 already moving.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, 1.7% off the recent peak, and 15% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 2,225 housing units. Roughly 28.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $498,800 here, or 6.4 times local income. The vacancy rate is 6.2%. About 12% have a four-year degree. The tenure split is 57% owner-occupied to 43% rented. Around 57% of renters are cost-burdened. On demographic stress specifically, 93434 scores 49/100. Households earn a median $71,351 — near the roughly $78,000 national figure. 8,451 residents call 93434 home, typically aged 28.

Taken together, 93434 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.