ZIP 93454 Property Distress & Foreclosure Data

Composite property distress in 93454 (Santa Barbara County, California) lands at 31/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (72/100)). On the structural side it scores 69/100, with 5/100 of stress already active. The sharpest non-environmental signals are structural risk (69/100), construction/permit lag (60/100), institutional ownership (43/100). On the quiet end sit mortgage stress (17/100).

The peak-phase market in 93454 posted values that rose 3.4% over the year, 1.3% off the recent peak, and 18% higher over three years (phase confidence 19/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $84,178, near the U.S. median near $78,000. Population is roughly 41,710 with a median age of 32. 13.9% of residents fall below the poverty threshold. Around 46% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 42/100. Educational attainment sits at 18% bachelor's-or-above. The ZIP holds roughly 12,461 housing units. The vacancy rate is 3.9%. Owners hold 53% of homes, renters 47%. Home values center near $525,000, an affordability ratio of 5.7×.

On balance 93454 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.