ZIP 95123 Property Distress & Foreclosure Data

Composite property distress in 95123 (Santa Clara County, California) lands at 20/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The sharpest non-environmental signals are structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted. Structural risk reads 44/100 against active distress of 2/100.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 11% higher over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

70,279 residents call 95123 home, typically aged 38. The tenure split is 60% owner-occupied to 40% rented. Vacancy runs 3.1%. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. There are about 25,037 housing units across 95123. Households earn a median $136,364 — above the roughly $78,000 national figure. A median home runs $1,166,800 here, or 8.1 times local income. About 45% have a four-year degree. On demographic stress specifically, 95123 scores 43/100. Rent burden reaches 42% of tenant households.

Overall, 95123 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.