Gulf County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gulf County, Florida? DLRadar grades every Gulf County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Gulf County breakdown.
- Gulf County's most distressed ZIP is 32456 at 31/100.
- 2 ZIP codes tracked in Gulf County, averaging 30/100 distress.
- Gulf County reads neutral — home values up 3.4% year over year.
- Vacancy runs 34.6% across Gulf County's tracked ZIPs, with a 11.8% poverty rate.
- The typical Gulf County home is worth about $269,350 against a ~$66,131 median income.
- Lending headwind in Gulf 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 | 32456 | 31/100 |
| 2 | 32465 | 29/100 |
Most distressed ZIP codes in Gulf County (composite distress 0-100, 2026)
What is driving Gulf County distress
Gulf County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 30/100 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.
Gulf County market phase and pricing
Gulf County reads neutral — home prices rose 3.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Gulf County
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Frequently asked questions
What is the most distressed ZIP code in Gulf County, FL?
ZIP 32456 leads Gulf County at 31/100, recomputed monthly from public records.
What market phase is Gulf County in?
Gulf County reads neutral, with home prices up 3.4% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Gulf 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.