ZIP 95005 Property Distress & Foreclosure Data

DLRadar grades ZIP 95005 (Santa Cruz County, California) at a low 25/100 for overall property distress. Property-level stress concentrates in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). On the quiet end sit mortgage stress (17/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (76/100)). On the structural side it scores 55/100, with 5/100 of stress already active.

The contraction-phase market in 95005 posted values that fell 1.0% over the year, 2.7% off the recent peak, and 4% higher over three years (phase confidence 26/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

5.0% of residents fall below the poverty threshold. Owners hold 71% of homes, renters 29%. Median household income is $107,857, above the U.S. median near $78,000. Home values center near $967,300, an affordability ratio of 8.9× — stretched. Educational attainment sits at 46% bachelor's-or-above. The ZIP holds roughly 3,046 housing units. Around 41% of renters are cost-burdened. The vacancy rate is 4.1%. DLRadar's demographic-stress index for the area reads 43/100. Population is roughly 7,150 with a median age of 46.

On the whole, 95005 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.