ZIP 95128 Property Distress & Foreclosure Data

Composite property distress in 95128 (Santa Clara County, California) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)). The latent-versus-live split is 44/100 structural and 2/100 already moving. The sharpest non-environmental signals are 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 95128 posted values that held roughly flat over the year, and 3% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $122,647, above the U.S. median near $78,000. Owners hold 44% of homes, renters 56%. Around 38% of renters are cost-burdened. Educational attainment sits at 52% bachelor's-or-above. 9.5% of residents fall below the poverty threshold. Home values center near $1,262,600, an affordability ratio of 9.9× — stretched. The vacancy rate is 7.4%. DLRadar's demographic-stress index for the area reads 49/100. Population is roughly 33,585 with a median age of 39. The ZIP holds roughly 14,951 housing units.

On balance 95128 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.