Foreclosures will be a factor impacting home values in the next several years. In 95131 0.7 homes are foreclosed (per 10,000). This is greater than the San Jose value of 0.4 and also the same as the national value of 0.7

Mortgage delinquency is the first step in the foreclosure process. This is when a homeowner fails to make a mortgage payment. The percent of delinquent mortgages in 95131 is 0.0%, which is lower than the national value of 0.0%. With U.S. home values having fallen by more than 20% nationally from their peak in 2007 until their trough in late 2011, many homeowners are now underwater on their mortgages, meaning they owe more than their home is worth. The percent of 95131 homeowners underwater on their mortgage is 0.0%, which is higher than San Jose at 0.0%.