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 4.9% year over year, 1.2% 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 17/100 — 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 | 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
Bay County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 33/100 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.
Bay County market phase and pricing
Bay County reads neutral — home prices rose 4.9% over the last year and are 1.2% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Bay County
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Frequently asked questions
What is the most distressed ZIP code in Bay County, FL?
ZIP 32401 leads Bay County at 36/100, recomputed monthly from public records.
What market phase is Bay County in?
Bay County reads neutral, with home prices up 4.9% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Bay 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.