ZIP 95118 Property Distress & Foreclosure Data

DLRadar grades ZIP 95118 (Santa Clara County, California) at a low 20/100 for overall property distress. Structural exposure scores 44 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). Property-level stress concentrates in structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and construction/permit lag (3/100) register low.

The market reads peak — home values held roughly flat year on year, and 1% higher over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 31,831 people live here, median age 39. The poverty rate is 5.3% — low. 63% of housing is owner-occupied. Vacancy runs 5.1%. The typical home is worth about $1,494,600 (9.3× income, severely stretched). Around 53% of adults hold a bachelor's degree or higher. There are about 12,011 housing units across 95118. Rent burden reaches 40% of tenant households. At $148,438, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 45/100.

Net-net, 95118 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.