ZIP 95131 Property Distress & Foreclosure Data

DLRadar grades ZIP 95131 (Santa Clara County, California) at a low 20/100 for overall property distress. 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. 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).

The peak-phase market in 95131 posted values that held roughly flat over the year, and 26% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 36/100. 7.8% of residents fall below the poverty threshold. Median household income is $170,128, above the U.S. median near $78,000. Around 30% of renters are cost-burdened. The vacancy rate is 3.1%. Educational attainment sits at 57% bachelor's-or-above. Home values center near $1,164,800, an affordability ratio of 6.7×. Population is roughly 30,745 with a median age of 38. The ZIP holds roughly 10,308 housing units. Owners hold 63% of homes, renters 37%.

On balance 95131 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.