Franklin County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Florida? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 32346 at 30/100.
- 8 ZIP codes tracked in Franklin County, averaging 25/100 distress.
- Franklin County reads peak — home values up 3.8% year over year.
- Vacancy runs 43.9% across Franklin County's tracked ZIPs, with a 15.5% poverty rate.
- The typical Franklin County home is worth about $271,000 against a ~$62,625 median income.
- Lending headwind in Franklin County sits at 0/100 — 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 | 32346 | 30/100 |
| 2 | 32358 | 30/100 |
| 3 | 32456 | 30/100 |
| 4 | 32320 | 25/100 |
| 5 | 32322 | 25/100 |
| 6 | 32323 | 25/100 |
| 7 | 32328 | 25/100 |
| 8 | 32321 | 12/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
DLRadar builds Franklin County's distress picture only from records anyone can pull; its ZIPs average 25/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Franklin County market phase and pricing
Franklin County currently sits in peak after a 3.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Franklin County
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Questions about this county
Which Franklin County ZIP scores worst for distress?
ZIP 32346 leads Franklin County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Franklin County at?
Franklin County reads peak, with home prices up 3.8% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Franklin County data sourced?
Franklin County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 8 ZIPs are comparable to anywhere else.
How much do distress scores vary between Franklin County ZIP codes?
A county average hides the spread. Across the Franklin County ZIPs DLRadar ranks, scores run from 30/100 in 32346 down to 12/100 in 32321, against a Franklin County average of 25/100. The 18-point range is the argument for ZIP-level search across Franklin County.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $271,000 of value against a median household income near $62,625. Vacancy across Franklin County's tracked ZIPs runs 43.9% and the poverty rate is 15.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Franklin County's foreclosure and lien filings and its 0/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.