ZIP 95023 Foreclosure, Tax-Lien & Distress Report
San Benito County, California · Cooling Market market
Scored on a fixed 0-100 scale, 95023 (San Benito County, California) returns a low composite of 16/100. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). The split runs 32/100 structural to 1/100 active on the ground. The most distinctive pressure shows up in structural risk (32/100), institutional ownership (7/100), mortgage stress (4/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low.
The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 1% lower over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.
Around 43% of renters are cost-burdened. Roughly 8.2% live below the poverty line. Population is roughly 58,374 with a median age of 35. Around 21% of adults hold a bachelor's degree or higher. Households earn a median $108,156 — above the roughly $78,000 national figure. 67% of housing is owner-occupied. Vacancy runs 2.9%. On demographic stress specifically, 95023 scores 42/100. Home values center near $784,100, an affordability ratio of 6.8×. The ZIP holds roughly 18,404 housing units.
Net-net, 95023 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95023 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 95023's 16/100 can be lined up against any neighbor in San Benito County, California or any ZIP coast to coast. 95023 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
95023's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 95023 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 95023
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.
Snapshot: 95023 by the numbers
The live 95023 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other San Benito County ZIP codes
Nearest ZIP codes to 95023
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95023
Keep going: ZIP, county and state distress coverage for San Benito County, California.
Unlock the full ZIP 95023 acquisition report
See who owns each distressed property in 95023, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology