Alachua County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Alachua County, FL distress report, 2026: 24 ZIPs scored in Alachua, FL, Alachua, FL average 29/100; the top Alachua, FL ZIP is 32667 at 34/100; Alachua, FL market phase contraction, Alachua, FL prices -0.3% year over year.
- Alachua, FL ranks #1,345 nationally (opportunity index); Alachua, FL #67 in Florida; Alachua, FL index 30.0.
- Alachua, FL ninety-day mortgage delinquency 1.0% in December 2025; Alachua, FL twelve-month change +0.3%.
- Alachua, FL ZIP phases: 19 contraction, 5 peak.
- Alachua, FL residential listings tracked: 5,945 across 21 ZIPs; Alachua, FL candidate listings 4,127.
- Alachua, FL HUD assisted properties: 18 with 1,916 units.
- Alachua, FL lenders on watch: 6; largest Alachua, FL footprint Capital City Bank (8 branches).
- Alachua, FL most distressed ZIP: 32667 at 34/100.
Alachua, FL figures: DLRadar distress index; Alachua, FL inputs: CFPB, FHFA, HUD, FDIC; Alachua, FL rebuilt as sources refresh.
| Rank | Alachua, FL ZIP | Score |
|---|---|---|
| 1 | 32667 | 34/100 |
| 2 | 32601 | 30/100 |
| 3 | 32603 | 30/100 |
| 4 | 32605 | 30/100 |
| 5 | 32606 | 30/100 |
| 6 | 32607 | 30/100 |
| 7 | 32608 | 30/100 |
| 8 | 32609 | 30/100 |
| 9 | 32610 | 30/100 |
| 10 | 32612 | 30/100 |
| 11 | 32615 | 30/100 |
| 12 | 32616 | 30/100 |
Most distressed Alachua, FL ZIPs (0-100, 2026)
Mortgage delinquency in Alachua, FL
1.0% of Alachua, FL mortgages were ninety-plus days late (Alachua, FL, December 2025); Alachua, FL thirty-to-eighty-nine days late: 1.8%; Alachua, FL twelve-month change +0.3%; Alachua, FL peak since 2008: 5.5% (June 2012); Florida overall 1.2%. Alachua, FL ninety-day series: Dec 24 0.7, Jan 25 0.7, Feb 25 1.0 (Alachua, FL), Mar 25 0.9, Apr 25 0.7, May 25 0.7 (Alachua, FL), Jun 25 0.6, Jul 25 0.8, Aug 25 0.7 (Alachua, FL), Sep 25 0.8, Oct 25 0.9, Nov 25 1.0 (Alachua, FL), Dec 25 1.0.
Opportunity index: Alachua, FL
Alachua, FL index 30.0, Alachua, FL phase early_signal; Alachua, FL primary driver bank institutional, Alachua, FL second driver vacancy. Alachua, FL components: property stress 23.8, foreclosure pressure 23.2, listing discounts 36.0, bank stress 55.2, insurance 0.0; Alachua, FL pulse 31.2; Alachua, FL capital opportunity 28.2; Alachua, FL seven-day change +0.5%.
ZIP market phases inside Alachua, FL
24 Alachua, FL ZIPs carry a price-cycle phase; Alachua, FL ZIPs by phase (Alachua, FL), deepest drawdown first: contraction, -0.3% YoY, 2.1% off peak (Alachua, FL): 32601, 32603, 32605, 32606, Alachua, FL 32607, 32608, 32609, 32610, Alachua, FL 32612, 32615, 32616, 32618, Alachua, FL 32631, 32641, 32653, 32658.
Residential listings by Alachua, FL ZIP
Alachua, FL ZIPs with the most tracked Alachua, FL residential listings: 32608 1,246 listings, 835 candidates, bank pressure 62; 32615 987 listings, 700 candidates, bank pressure 62; 32607 945 listings, 673 candidates, bank pressure 62; 32669 818 listings, 606 candidates, bank pressure 63 (Alachua, FL); 32643 505 listings, 376 candidates, bank pressure 62; 32606 421 listings, 261 candidates, bank pressure 62; 32618 363 listings, 256 candidates, bank pressure 64; 32609 196 listings, 128 candidates, bank pressure 62. Alachua, FL totals: 5,945 listings; Alachua, FL candidates 4,127; active ZIPs 18.
HUD assisted housing in Alachua, FL
18 assisted properties with 1,916 units sit in Alachua, FL; largest Alachua, FL properties: Bellamay Grand (Gainesville) 360 units; One 51 Place Apartments (Alachua) 312 units; Reserve At Kanapaha (Gainesville) 272 units in Alachua, FL; 23 West Apartments (Gainesville) 176 units; Reserve At Kanapaha Ii (Gainesville) 144 units; Pine Forest Homes (Gainesville) 131 units.
Lenders with branches in Alachua, FL
Alachua, FL lenders by branch count: Capital City Bank (Alachua, FL): stress 54, 8 branches low in Alachua, FL; First Federal Bank (Alachua, FL): stress 65, 2 branches low in Alachua, FL; Southstate Bank Na (Alachua, FL): stress 48, 2 branches low in Alachua, FL; Florida Capital Bank Na (Alachua, FL): stress 72, 1 branch low in Alachua, FL; Seacoast National Bank (Alachua, FL): stress 58, 1 branch low in Alachua, FL; Gala Bank (Alachua, FL): stress 52, 1 branch low in Alachua, FL.
Vacancy and permits, Alachua, FL
10,945 of 127,731 Alachua, FL housing units are vacant; Alachua, FL permits, twelve months: 1,362 multifamily units in Alachua, FL, 839 one-to-four unit units.
Work Alachua, FL at the parcel level
Every Alachua, FL parcel carries owner and address; every Alachua, FL parcel carries APN; Alachua, FL distress scores sit on the Alachua, FL live board; Alachua, FL lead lists by signal.
Alachua, FL figures refresh with each source.
Alachua, FL questions
Most distressed ZIP code in Alachua County, FL?
ZIP 32667 leads Alachua, FL at 34/100; next in Alachua, FL: 32601 at 30/100; the Alachua, FL average is 29/100.
Where does Alachua County, FL rank for investment opportunity?
Alachua, FL is #1,345 among all ranked counties, #67 in Florida; the Alachua, FL driver is bank institutional; Alachua, FL moved up 802 places.
How many mortgages are delinquent in Alachua County, FL?
1.0% of Alachua, FL mortgages were ninety-plus days late in December 2025; the Alachua, FL peak since 2008 was 5.5%.
Which banks lend in Alachua County, FL?
6 watched lenders hold Alachua, FL branches; the largest Alachua, FL footprints are Capital City Bank (8), First Federal Bank (2), Southstate Bank Na (2).
More on Alachua, FL
Alachua County, FL distress report: public-record figures for Alachua, FL; not legal advice for Alachua, FL; not tax or investment advice; verify every Alachua, FL record before acting.