Bay County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bay County, FL distress report, 2026: 16 ZIPs scored in Bay, FL, Bay, FL average 33/100; the top Bay, FL ZIP is 32401 at 36/100; Bay, FL market phase neutral, Bay, FL prices +3.8% year over year.
- Bay, FL ranks #89 nationally (opportunity index); Bay, FL #15 in Florida; Bay, FL index 37.5.
- Bay, FL ninety-day mortgage delinquency 1.1% in December 2025; Bay, FL twelve-month change +0.1%.
- Bay, FL ZIP phases: 15 neutral, 1 peak.
- Bay, FL residential listings tracked: 196 across 12 ZIPs; Bay, FL candidate listings 93.
- Bay, FL HUD assisted properties: 11 with 1,079 units.
- Bay, FL lenders on watch: 2; largest Bay, FL footprint Capital City Bank (3 branches).
- Bay, FL most distressed ZIP: 32401 at 36/100.
Bay, FL figures: DLRadar distress index; Bay, FL inputs: CFPB, FHFA, HUD, FDIC; Bay, FL rebuilt as sources refresh.
| Rank | Bay, FL ZIP | Score |
|---|---|---|
| 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 | 32456 | 32/100 |
Most distressed Bay, FL ZIPs (0-100, 2026)
Mortgage delinquency in Bay, FL
1.1% of Bay, FL mortgages were ninety-plus days late (Bay, FL, December 2025); Bay, FL thirty-to-eighty-nine days late: 1.5%; Bay, FL twelve-month change +0.1%; Bay, FL peak since 2008: 6.2% (May 2012); Florida overall 1.2%. Bay, FL ninety-day series: Dec 24 1.0, Jan 25 1.1, Feb 25 1.1 (Bay, FL), Mar 25 1.1, Apr 25 1.2, May 25 0.9 (Bay, FL), Jun 25 0.7, Jul 25 0.4, Aug 25 0.7 (Bay, FL), Sep 25 0.7, Oct 25 0.6, Nov 25 1.0 (Bay, FL), Dec 25 1.1.
Opportunity index: Bay, FL
Bay, FL index 37.5, Bay, FL phase strong_buy; Bay, FL primary driver vacancy, Bay, FL second driver construction. Bay, FL components: property stress 36.0, foreclosure pressure 38.0, listing discounts 36.7, bank stress 53.6, insurance 0.0; Bay, FL pulse 41.7; Bay, FL capital opportunity 31.2; Bay, FL seven-day change +0.5%.
ZIP market phases inside Bay, FL
16 Bay, FL ZIPs carry a price-cycle phase; Bay, FL ZIPs by phase (Bay, FL), deepest drawdown first: neutral, +3.8% YoY, 0.5% off peak (Bay, FL): 32401, 32403, 32404, 32405, Bay, FL 32407, 32408, 32409, 32410, Bay, FL 32437, 32444, 32413, 32428; neutral, +4.0% YoY, 0.4% off peak (Bay, FL): 32462; neutral, +3.8% YoY, 0.4% off peak (Bay, FL): 32438, 32466; peak, +3.8% YoY, 0.1% off peak (Bay, FL): 32456.
Residential listings by Bay, FL ZIP
Bay, FL ZIPs with the most tracked Bay, FL residential listings: 32404 44 listings, 21 candidates, bank pressure 60; 32444 29 listings, 15 candidates, bank pressure 60; 32408 28 listings, 13 candidates, bank pressure 60; 32401 20 listings, 10 candidates, bank pressure 60 (Bay, FL); 32413 20 listings, 11 candidates, bank pressure 60; 32405 19 listings, 9 candidates, bank pressure 60; 32407 12 listings, 2 candidates, bank pressure 60; 32409 10 listings, 3 candidates, bank pressure 60. Bay, FL totals: 196 listings; Bay, FL candidates 93; active ZIPs 1.
HUD assisted housing in Bay, FL
11 assisted properties with 1,079 units sit in Bay, FL; largest Bay, FL properties: Pier Park Crossings (Panama City Beach) 240 units; St. Andrews Towers (Panama City) 216 units, 216 assisted; Reserve At Northshore (Lynn Haven) 200 units in Bay, FL; Sand Dunes Apartments (Panama City Beach) 104 units, 103 assisted; Foxwood Apartments (Panama City) 100 units, 100 assisted; Panama Commons (Panama City) 92 units.
Lenders with branches in Bay, FL
Bay, FL lenders by branch count: Capital City Bank (Bay, FL): stress 54, 3 branches low in Bay, FL; First Federal Bank (Bay, FL): stress 65, 1 branch low in Bay, FL.
Vacancy and permits, Bay, FL
29,584 of 108,362 Bay, FL housing units are vacant; Bay, FL permits, twelve months: 248 multifamily units in Bay, FL, 1,650 one-to-four unit units.
Work Bay, FL at the parcel level
Every Bay, FL parcel carries owner and address; every Bay, FL parcel carries APN; Bay, FL distress scores sit on the Bay, FL live board; Bay, FL lead lists by signal.
Bay, FL figures refresh with each source.
Bay, FL questions
Most distressed ZIP code in Bay County, FL?
ZIP 32401 leads Bay, FL at 36/100; next in Bay, FL: 32403 at 36/100; the Bay, FL average is 33/100.
Where does Bay County, FL rank for investment opportunity?
Bay, FL is #89 among all ranked counties, #15 in Florida; the Bay, FL driver is vacancy; Bay, FL moved up 98 places.
How many mortgages are delinquent in Bay County, FL?
1.1% of Bay, FL mortgages were ninety-plus days late in December 2025; the Bay, FL peak since 2008 was 6.2%.
Which banks lend in Bay County, FL?
2 watched lenders hold Bay, FL branches; the largest Bay, FL footprints are Capital City Bank (3), First Federal Bank (1).
More on Bay, FL
Bay County, FL distress report: public-record figures for Bay, FL; not legal advice for Bay, FL; not tax or investment advice; verify every Bay, FL record before acting.