ZIP 94086 Property Distress & Foreclosure Data

ZIP code 94086 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 44/100 structural and 2/100 already moving. What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and construction/permit lag (3/100) register low.

The market reads peak — home values held roughly flat year on year, and 18% lower over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 46/100. The poverty rate is 6.5% — low. Around 27% of renters are cost-burdened. The vacancy rate is 5.2%. At $180,217, median income runs above typical U.S. levels. The ZIP holds roughly 21,955 housing units. Around 70% of adults hold a bachelor's degree or higher. About 48,956 people live here, median age 34. 31% of housing is owner-occupied. The typical home is worth about $1,810,200 (9.9× income, severely stretched).

Net-net, 94086 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.