ZIP 94103 Foreclosure, Tax-Lien & Distress Report

San Francisco County, California's ZIP 94103 registers 22/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (50/100), construction/permit lag (22/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (72/100). The split runs 50/100 structural to 3/100 active on the ground.

The market reads peak — home values held roughly flat year on year, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $122,339, above the U.S. median near $78,000. The poverty rate is 19.0% — high, a tax-stress and distress correlate. Owners hold 19% of homes, renters 81%. DLRadar's demographic-stress index for the area reads 48/100. Around 30% of renters are cost-burdened. Population is roughly 33,524 with a median age of 36. About 56% have a four-year degree. The vacancy rate is 17.1% — elevated. A median home runs $1,022,800 here, or 8.6 times local income. There are about 21,609 housing units across 94103.

Taken together, 94103 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 94103 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 94103's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 94103 shows blanks, not estimates, wherever the record is sparse.

The 22/100 figure for 94103 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 94103 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.