ZIP 95116 Property Distress & Foreclosure Data

ZIP code 95116 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 44/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)). What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and construction/permit lag (3/100).

The peak-phase market in 95116 posted values that held roughly flat over the year, and 8% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 3.8%. Owners hold 39% of homes, renters 61%. Median household income is $83,428, near the U.S. median near $78,000. There are about 13,978 housing units across 95116. Home values center near $860,900, an affordability ratio of 10.1× — stretched. Educational attainment sits at 21% bachelor's-or-above. Population is roughly 48,816 with a median age of 36. 11.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 56/100. Rent burden reaches 48% of tenant households.

On balance 95116 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.