Bay County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bay County, Florida? DLRadar grades every Bay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Bay County breakdown.
- Bay County's most distressed ZIP is 32401 at 36/100.
- 16 ZIP codes tracked in Bay County, averaging 33/100 distress.
- Bay County reads neutral — home values up 3.8% year over year, 0.5% off peak.
- Vacancy runs 27.2% across Bay County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Bay County home is worth about $288,900 against a ~$68,803 median income.
- Lending headwind in Bay County sits at 32/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32401 | 36/100 |
| 2 | 32403 | 36/100 |
| 3 | 32404 | 36/100 |
| 4 | 32405 | 36/100 |
| 5 | 32407 | 36/100 |
| 6 | 32408 | 36/100 |
| 7 | 32409 | 36/100 |
| 8 | 32410 | 36/100 |
| 9 | 32413 | 36/100 |
| 10 | 32444 | 36/100 |
| 11 | 32438 | 34/100 |
| 12 | 32466 | 32/100 |
Most distressed ZIP codes in Bay County (composite distress 0-100, 2026)
What is driving Bay County distress
Nothing here is estimated: Bay County is scored from filings alone, and its ZIPs average 33/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Bay County market phase and pricing
Bay County currently sits in neutral after a 3.8% gain in the past twelve months, 0.5% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
Where is distress highest inside Bay County, FL?
ZIP 32401 leads Bay County at 36/100, recomputed monthly from public records.
Is Bay County expanding or contracting?
Bay County is classified neutral with a 3.8% year-over-year increase, following the FHFA House Price Index.
How is the Bay County data sourced?
Every Bay County figure traces to a public source — FHFA House Price Index for the neutral trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 16 Bay County ZIP codes that it runs on every other U.S. county, so Bay County's numbers are directly comparable to any other market.
How much do distress scores vary between Bay County ZIP codes?
One county number flattens a wide range. Across the Bay County ZIPs DLRadar ranks, scores run from 36/100 in 32401 down to 32/100 in 32466, against a Bay County average of 33/100. That 4-point gap is why acquisition targeting in Bay County works at ZIP level rather than county level.
What do Bay County home values and vacancy say about distressed supply?
The typical Bay County home carries about $288,900 of value against a median household income near $68,803. Vacancy across Bay County's tracked ZIPs runs 27.2% and the poverty rate is 14.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Bay County's foreclosure and tax-lien filings and its 32/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.