ZIP 93440 Property Distress & Foreclosure Data

Composite property distress in 93440 (Santa Barbara County, California) lands at 32/100 — moderate on DLRadar's public-record scoring. Structural risk reads 72/100 against active distress of 5/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (92/100). The sharpest non-environmental signals are structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). mortgage stress (18/100) stay muted.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, 1.7% off the recent peak, and 38% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $831,300 here, or 12.5 times local income. The tenure split is 79% owner-occupied to 21% rented. Vacancy runs 27.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 93440 scores 45/100. Households earn a median $53,673 — below the roughly $78,000 national figure. Roughly 3.9% live below the poverty line, a low share typical of higher-equity areas. 896 residents call 93440 home, typically aged 71. About 17% have a four-year degree. There are about 697 housing units across 93440. Rent burden reaches 9% of tenant households.

Taken together, 93440 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.