Gulf County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gulf County, FL distress report, 2026: 2 ZIPs scored in Gulf, FL, Gulf, FL average 31/100; the top Gulf, FL ZIP is 32456 at 32/100; Gulf, FL market phase peak, Gulf, FL prices +3.8% year over year.
- Gulf, FL ranks #124 nationally (opportunity index); Gulf, FL #21 in Florida; Gulf, FL index 36.8.
- Gulf, FL: no CFPB county sample; Gulf, FL non-metro area reading 1.2%.
- Gulf, FL ZIP phases: 2 peak.
- Gulf, FL residential listings tracked: 5 across 2 ZIPs; Gulf, FL candidate listings 1.
- Gulf, FL lenders on watch: 1; largest Gulf, FL footprint Capital City Bank (1 branch).
- Gulf, FL most distressed ZIP: 32456 at 32/100.
Gulf, FL figures: DLRadar distress index; Gulf, FL inputs: CFPB, FHFA, HUD, FDIC; Gulf, FL rebuilt as sources refresh.
| Rank | Gulf, FL ZIP | Score |
|---|---|---|
| 1 | 32456 | 32/100 |
| 2 | 32465 | 29/100 |
Most distressed Gulf, FL ZIPs (0-100, 2026)
Mortgage delinquency around Gulf, FL
No CFPB county sample covers Gulf, FL; the non-metro area reading for Gulf, FL: 1.2% ninety-plus; Gulf, FL area thirty-to-eighty-nine 3.4% (December 2025, Gulf, FL); Florida overall 1.2%.
Opportunity index: Gulf, FL
Gulf, FL index 36.8, Gulf, FL phase overheated; Gulf, FL primary driver vacancy, Gulf, FL second driver bank institutional. Gulf, FL components: property stress 46.8, foreclosure pressure 51.7, listing discounts 9.7, bank stress 51.8, insurance 0.0; Gulf, FL pulse 46.0; Gulf, FL capital opportunity 22.9; Gulf, FL seven-day change +0.5%.
ZIP market phases inside Gulf, FL
2 Gulf, FL ZIPs carry a price-cycle phase; Gulf, FL ZIPs by phase (Gulf, FL), deepest drawdown first: peak, +3.8% YoY, 0.1% off peak (Gulf, FL): 32456; peak, +3.8% YoY (Gulf, FL): 32465.
Residential listings by Gulf, FL ZIP
Gulf, FL ZIPs with the most tracked Gulf, FL residential listings: 32456 5 listings, 1 candidates, bank pressure 57; 32465 0 listings, 0 candidates, bank pressure 49. Gulf, FL totals: 5 listings; Gulf, FL candidates 1; active ZIPs 0.
Lenders with branches in Gulf, FL
Gulf, FL lenders by branch count: Capital City Bank (Gulf, FL): stress 54, 1 branch low in Gulf, FL.
Vacancy and permits, Gulf, FL
3,418 of 9,362 Gulf, FL housing units are vacant; Gulf, FL permits, twelve months: 0 multifamily units in Gulf, FL, 360 one-to-four unit units.
Work Gulf, FL at the parcel level
Every Gulf, FL parcel carries owner and address; every Gulf, FL parcel carries APN; Gulf, FL distress scores sit on the Gulf, FL live board; Gulf, FL lead lists by signal.
Gulf, FL figures refresh with each source.
Gulf, FL questions
Most distressed ZIP code in Gulf County, FL?
ZIP 32456 leads Gulf, FL at 32/100; next in Gulf, FL: 32465 at 29/100; the Gulf, FL average is 31/100.
Where does Gulf County, FL rank for investment opportunity?
Gulf, FL is #124 among all ranked counties, #21 in Florida; the Gulf, FL driver is vacancy; Gulf, FL moved down 96 places.
How many mortgages are delinquent in Gulf County, FL?
Gulf, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Gulf, FL.
Which banks lend in Gulf County, FL?
1 watched lenders hold Gulf, FL branches; the largest Gulf, FL footprints are Capital City Bank (1).
More on Gulf, FL
Gulf County, FL distress report: public-record figures for Gulf, FL; not legal advice for Gulf, FL; not tax or investment advice; verify every Gulf, FL record before acting.