ZIP 94040 Property Distress & Foreclosure Data

ZIP code 94040 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted. On the structural side it scores 44/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. 35,581 residents call 94040 home, typically aged 35. The ZIP holds roughly 17,302 housing units. The tenure split is 36% owner-occupied to 64% rented. About 78% have a four-year degree. A median home runs $2,000,000 here, or 10.8 times local income. Around 32% of renters are cost-burdened. On demographic stress specifically, 94040 scores 46/100. Households earn a median $184,494 — above the roughly $78,000 national figure. The vacancy rate is 9.5%.

Overall, 94040 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.