ZIP 93465 Property Distress & Foreclosure Data

ZIP code 93465 in San Luis Obispo County, California carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. 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 market reads neutral — home values rose 4.5% year on year, and 21% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 4,365 housing units. Around 52% of renters are cost-burdened. The poverty rate is 3.5% — low. Around 47% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 39/100. 77% of housing is owner-occupied. The typical home is worth about $870,100 (7.2× income, severely stretched). The vacancy rate is 6.5%. At $120,843, median income runs above typical U.S. levels. About 10,248 people live here, median age 47.

Net-net, 93465 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.