ZIP 94038 Property Distress & Foreclosure Data

DLRadar grades ZIP 94038 (San Mateo County, California) at a low 20/100 for overall property distress. Structural risk reads 44/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (73/100). Property-level stress concentrates in structural risk (44/100), institutional ownership (17/100), mortgage stress (8/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 1.2% year on year, and 9% lower over three years, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $1,123,100 (8.7× income, severely stretched). 97% of housing is owner-occupied. About 3,016 people live here, median age 44. Around 51% of adults hold a bachelor's degree or higher. There are about 1,039 housing units across 94038. At $128,333, median income runs above typical U.S. levels. Vacancy runs 1.9%. The poverty rate is 5.5% — low. Rent burden reaches 50% of tenant households. The demographic-stress sub-score lands at 41/100.

Net-net, 94038 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.