ZIP 95122 Property Distress & Foreclosure Data

DLRadar grades ZIP 95122 (Santa Clara County, California) at a low 20/100 for overall property distress. Property-level stress concentrates in 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). On the structural side it scores 44/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)).

The peak-phase market in 95122 posted values that held roughly flat over the year, and 8% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $103,406, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 50/100. Owners hold 53% of homes, renters 47%. The vacancy rate is 4.3%. 9.0% of residents fall below the poverty threshold. The ZIP holds roughly 12,465 housing units. Around 52% of renters are cost-burdened. Home values center near $872,900, an affordability ratio of 8.1× — stretched. Educational attainment sits at 18% bachelor's-or-above. Population is roughly 52,206 with a median age of 36.

On balance 95122 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.