ZIP 93940 Foreclosure, Tax-Lien & Distress Report

ZIP 93940's composite property-distress score is 26/100 - DLRadar classes that as low for Monterey County, California. The sharpest non-environmental signals are structural risk (55/100), institutional ownership (41/100), mortgage stress (18/100). mortgage stress (18/100) and construction/permit lag (3/100) stay muted. Structurally it carries 55/100, against 5/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (84/100)).

The market reads peak — home values rose 0.5% year on year, 2.2% off the recent peak, and 15% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Households earn a median $110,669 — above the roughly $78,000 national figure. Owners hold 43% of homes, renters 57%. Roughly 9.9% live below the poverty line. Around 54% of adults hold a bachelor's degree or higher. Rent burden reaches 43% of tenant households. A median home runs $1,099,300 here, or 9.4 times local income. Vacancy runs 9.7%. The ZIP holds roughly 15,764 housing units. On demographic stress specifically, 93940 scores 48/100. About 30,951 people live here, median age 43.

Net-net, 93940 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 93940 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 93940 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 93940, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

93940's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 93940 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.