ZIP 94118 Foreclosure, Tax-Lien & Distress Report
San Francisco County, California · High Value market
ZIP code 94118 in San Francisco County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (83/100). The split runs 46/100 structural to 3/100 active on the ground. What sets it apart are the readings on structural risk (46/100), institutional ownership (19/100), mortgage stress (8/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low.
The market reads peak — home values held roughly flat year on year (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
At $159,550, median income runs above typical U.S. levels. The ZIP holds roughly 19,266 housing units. The vacancy rate is 10.8%. Educational attainment sits at 72% bachelor's-or-above. 6.3% of residents fall below the poverty threshold. Owners hold 36% of homes, renters 64%. On demographic stress specifically, 94118 scores 46/100. The typical home is worth about $1,784,700 (11.4× income, severely stretched). Around 26% of renters are cost-burdened. About 39,275 people live here, median age 39.
On balance 94118 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 94118's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 94118 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 21/100 figure for 94118 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. Practically, 94118 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 94118
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 94118 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in San Francisco County
Nearest ZIP codes to 94118
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across San Francisco County, California
Related ZIP, county and statewide reads linked to San Francisco County, California.
See every distressed parcel in 94118
Every distressed parcel in 94118 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology