Baker County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baker County, Florida? DLRadar grades every Baker County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Baker County breakdown.
- Baker County's most distressed ZIP is 32234 at 30/100.
- 5 ZIP codes tracked in Baker County, averaging 24/100 distress.
- Baker County reads contraction — home values down 0.9% year over year, 1.8% off peak.
- Vacancy runs 7.5% across Baker County's tracked ZIPs, with a 9% poverty rate.
- The typical Baker County home is worth about $256,975 against a ~$73,537 median income.
- Lending headwind in Baker County sits at 41/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32234 | 30/100 |
| 2 | 32040 | 23/100 |
| 3 | 32063 | 23/100 |
| 4 | 32072 | 23/100 |
| 5 | 32087 | 23/100 |
Most distressed ZIP codes in Baker County (composite distress 0-100, 2026)
What is driving Baker County distress
The Baker County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
Baker County market phase and pricing
The cycle in Baker County is contraction, with values down 0.9% year over year and 1.8% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Baker County
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What people ask
Which ZIP code leads Baker County on distress?
ZIP 32234 leads Baker County at 30/100, recomputed monthly from public records.
Is Baker County expanding or contracting?
Baker County currently sits in contraction, with values down 0.9% year on year, based on FHFA price-index trajectory.
Which datasets feed the Baker County scores?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 5 ZIP codes in Baker County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Baker County ZIP codes?
A county average hides the spread. Across the Baker County ZIPs DLRadar ranks, scores run from 30/100 in 32234 down to 23/100 in 32087, against a Baker County average of 24/100. That 7-point gap is why acquisition targeting in Baker County works at ZIP level rather than county level.
What do Baker County home values and vacancy say about distressed supply?
The typical Baker County home carries about $256,975 of value against a median household income near $73,537. Vacancy across Baker County's tracked ZIPs runs 7.5% and the poverty rate is 9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Baker County's foreclosure and tax-lien filings and its 41/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.