ZIP 95111 Property Distress & Foreclosure Data

ZIP code 95111 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). On the structural side it scores 44/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 13% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 2.9%. The tenure split is 60% owner-occupied to 40% rented. The ZIP holds roughly 16,166 housing units. Around 55% of renters are cost-burdened. 58,885 residents call 95111 home, typically aged 38. About 20% have a four-year degree. Roughly 8.8% live below the poverty line. On demographic stress specifically, 95111 scores 50/100. Households earn a median $97,162 — above the roughly $78,000 national figure. A median home runs $850,700 here, or 8.5 times local income.

Overall, 95111 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.