Escambia County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Escambia County, FL distress report, 2026: 19 ZIPs scored in Escambia, FL, Escambia, FL average 32/100; the top Escambia, FL ZIP is 32561 at 33/100; Escambia, FL market phase peak, Escambia, FL prices +0.2% year over year.
- Escambia, FL ranks #828 nationally (opportunity index); Escambia, FL #63 in Florida; Escambia, FL index 31.9.
- Escambia, FL ninety-day mortgage delinquency 1.3% in December 2025; Escambia, FL twelve-month change +0.1%.
- Escambia, FL ZIP phases: 19 peak.
- Escambia, FL residential listings tracked: 295 across 19 ZIPs; Escambia, FL candidate listings 122.
- Escambia, FL HUD assisted properties: 18 with 1,739 units.
- Escambia, FL lenders on watch: 3; largest Escambia, FL footprint Warrington Bank (4 branches).
- Escambia, FL most distressed ZIP: 32561 at 33/100.
Escambia, FL figures: DLRadar distress index; Escambia, FL inputs: CFPB, FHFA, HUD, FDIC; Escambia, FL rebuilt as sources refresh.
| Rank | Escambia, FL ZIP | Score |
|---|---|---|
| 1 | 32561 | 33/100 |
| 2 | 32501 | 32/100 |
| 3 | 32502 | 32/100 |
| 4 | 32503 | 32/100 |
| 5 | 32504 | 32/100 |
| 6 | 32505 | 32/100 |
| 7 | 32506 | 32/100 |
| 8 | 32507 | 32/100 |
| 9 | 32508 | 32/100 |
| 10 | 32509 | 32/100 |
| 11 | 32511 | 32/100 |
| 12 | 32512 | 32/100 |
Most distressed Escambia, FL ZIPs (0-100, 2026)
Mortgage delinquency in Escambia, FL
1.3% of Escambia, FL mortgages were ninety-plus days late (Escambia, FL, December 2025); Escambia, FL thirty-to-eighty-nine days late: 2.1%; Escambia, FL twelve-month change +0.1%; Escambia, FL peak since 2008: 4.4% (January 2010); Florida overall 1.2%. Escambia, FL ninety-day series: Dec 24 1.2, Jan 25 1.6, Feb 25 1.6 (Escambia, FL), Mar 25 1.3, Apr 25 1.1, May 25 1.3 (Escambia, FL), Jun 25 1.4, Jul 25 1.6, Aug 25 1.3 (Escambia, FL), Sep 25 1.4, Oct 25 1.2, Nov 25 1.2 (Escambia, FL), Dec 25 1.3.
Opportunity index: Escambia, FL
Escambia, FL index 31.9, Escambia, FL phase watchlist; Escambia, FL primary driver vacancy, Escambia, FL second driver bank institutional. Escambia, FL components: property stress 24.7, foreclosure pressure 25.4, listing discounts 37.8, bank stress 54.2, insurance 0.0; Escambia, FL pulse 33.6; Escambia, FL capital opportunity 29.3; Escambia, FL seven-day change +0.5%.
ZIP market phases inside Escambia, FL
19 Escambia, FL ZIPs carry a price-cycle phase; Escambia, FL ZIPs by phase (Escambia, FL), deepest drawdown first: peak, +0.2% YoY, 0.3% off peak (Escambia, FL): 32501, 32502, 32503, 32504, Escambia, FL 32505, 32506, 32507, 32508, Escambia, FL 32509, 32511, 32512, 32514, Escambia, FL 32526, 32533, 32534, 32535.
Residential listings by Escambia, FL ZIP
Escambia, FL ZIPs with the most tracked Escambia, FL residential listings: 32526 65 listings, 20 candidates, bank pressure 60; 32514 46 listings, 18 candidates, bank pressure 60; 32507 32 listings, 19 candidates, bank pressure 60; 32505 27 listings, 11 candidates, bank pressure 60 (Escambia, FL); 32533 26 listings, 9 candidates, bank pressure 60; 32506 24 listings, 4 candidates, bank pressure 60; 32503 22 listings, 14 candidates, bank pressure 60; 32534 19 listings, 7 candidates, bank pressure 60. Escambia, FL totals: 295 listings; Escambia, FL candidates 122; active ZIPs 0.
HUD assisted housing in Escambia, FL
18 assisted properties with 1,739 units sit in Escambia, FL; largest Escambia, FL properties: Crossing At Nine Mile Road (Pensacola) 240 units; The Moorings (Pensacola) 200 units, 187 assisted; Westminster Village I And Ii (Pensacola) 198 units, 198 assisted in Escambia, FL; Village At Southern Oaks (Pensacola) 192 units; Sunrise Apartments (Pensacola) 160 units, 151 assisted; West Woods Haven Phase I (Pensacola) 136 units.
Lenders with branches in Escambia, FL
Escambia, FL lenders by branch count: Warrington Bank (Escambia, FL): stress 54, 4 branches low in Escambia, FL; Bank Of Pensacola (Escambia, FL): stress 71, 2 branches low in Escambia, FL; Southstate Bank Na (Escambia, FL): stress 48, 1 branch low in Escambia, FL.
Vacancy and permits, Escambia, FL
20,190 of 149,217 Escambia, FL housing units are vacant; Escambia, FL permits, twelve months: 32 multifamily units in Escambia, FL, 1,663 one-to-four unit units.
Work Escambia, FL at the parcel level
Every Escambia, FL parcel carries owner and address; every Escambia, FL parcel carries APN; Escambia, FL distress scores sit on the Escambia, FL live board; Escambia, FL lead lists by signal.
Escambia, FL figures refresh with each source.
Escambia, FL questions
Most distressed ZIP code in Escambia County, FL?
ZIP 32561 leads Escambia, FL at 33/100; next in Escambia, FL: 32501 at 32/100; the Escambia, FL average is 32/100.
Where does Escambia County, FL rank for investment opportunity?
Escambia, FL is #828 among all ranked counties, #63 in Florida; the Escambia, FL driver is vacancy; Escambia, FL moved up 742 places.
How many mortgages are delinquent in Escambia County, FL?
1.3% of Escambia, FL mortgages were ninety-plus days late in December 2025; the Escambia, FL peak since 2008 was 4.4%.
Which banks lend in Escambia County, FL?
3 watched lenders hold Escambia, FL branches; the largest Escambia, FL footprints are Warrington Bank (4), Bank Of Pensacola (2), Southstate Bank Na (1).
More on Escambia, FL
Escambia County, FL distress report: public-record figures for Escambia, FL; not legal advice for Escambia, FL; not tax or investment advice; verify every Escambia, FL record before acting.