ZIP 93460 Property Distress & Foreclosure Data

ZIP code 93460 in Santa Barbara County, California carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (92/100)). What sets it apart are the readings on structural risk (72/100), construction/permit lag (53/100), institutional ownership (48/100). On the quiet end sit mortgage stress (18/100). Structural exposure scores 72 and live distress 5 on the 0–100 scale.

The peak-phase market in 93460 posted values that rose 2.9% over the year, 1.7% off the recent peak, and 32% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 6,425 with a median age of 43. Owners hold 69% of homes, renters 31%. There are about 2,528 housing units across 93460. Educational attainment sits at 38% bachelor's-or-above. 11.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 47/100. Home values center near $1,205,900, an affordability ratio of 9.0× — stretched. Rent burden reaches 40% of tenant households. Vacancy runs 12.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $131,932, above the U.S. median near $78,000.

On balance 93460 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.