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 32/100. Here is the 2026 Baker County breakdown.
- Baker County's most distressed ZIP is 32234 at 32/100.
- 5 ZIP codes tracked in Baker County, averaging 23/100 distress.
- Baker County reads peak — home values up 1.8% year over year, 0.6% 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 3/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32234 | 32/100 |
| 2 | 32040 | 21/100 |
| 3 | 32063 | 21/100 |
| 4 | 32072 | 21/100 |
| 5 | 32087 | 21/100 |
Most distressed ZIP codes in Baker County (composite distress 0-100, 2026)
What is driving Baker County distress
Baker County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Baker County market phase and pricing
Baker County reads peak — home prices rose 1.8% over the last year and are 0.6% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Baker County
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Frequently asked questions
What is the most distressed ZIP code in Baker County, FL?
ZIP 32234 leads Baker County at 32/100, recomputed monthly from public records.
What market phase is Baker County in?
Baker County reads peak, with home prices up 1.8% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Baker County data come from?
Every figure traces to a public source — FHFA HPI, CFPB, county recorder filings, FEMA/NFIP and Census ACS — scored deterministically, the same way in every county.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.