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 30/100. Here is the 2026 Gulf County breakdown.
- Gulf County's most distressed ZIP is 32456 at 30/100.
- 2 ZIP codes tracked in Gulf County, averaging 29/100 distress.
- Gulf County reads peak — home values up 3.8% 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 | 30/100 |
| 2 | 32465 | 27/100 |
Most distressed ZIP codes in Gulf County (composite distress 0-100, 2026)
What is driving Gulf County distress
Gulf County's placement in the national index rests on public filings — a 29/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Gulf County market phase and pricing
Gulf 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.
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Questions and answers
Which Gulf County ZIP scores worst for distress?
ZIP 32456 leads Gulf County at 30/100, recomputed monthly from public records.
Is Gulf County expanding or contracting?
Gulf County is classified peak with a 3.8% year-over-year increase, following the FHFA House Price Index.
What is this Gulf County analysis built from?
Every Gulf County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 2 Gulf County ZIP codes that it runs on every other U.S. county, so Gulf County's numbers are directly comparable to any other market.
How much do distress scores vary between Gulf County ZIP codes?
A county average hides the spread. Across the Gulf County ZIPs DLRadar ranks, scores run from 30/100 in 32456 down to 27/100 in 32465, against a Gulf County average of 29/100. With 3 points between best and worst, county-level targeting in Gulf County wastes effort.
What do Gulf County home values and vacancy say about distressed supply?
The typical Gulf County home carries about $269,350 of value against a median household income near $66,131. Vacancy across Gulf County's tracked ZIPs runs 34.6% and the poverty rate is 11.8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Gulf County's filings and its 0/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.