Hamilton County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Florida? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 32096 at 29/100.
- 3 ZIP codes tracked in Hamilton County, averaging 25/100 distress.
- Hamilton County reads peak — home values up 3.8% year over year.
- Vacancy runs 21.6% across Hamilton County's tracked ZIPs, with a 24.2% poverty rate.
- The typical Hamilton County home is worth about $110,300 against a ~$46,977 median income.
- Lending headwind in Hamilton County sits at 91/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32096 | 29/100 |
| 2 | 32052 | 23/100 |
| 3 | 32053 | 23/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Hamilton County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 25/100 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.
Hamilton County market phase and pricing
Phase for Hamilton County: peak (+3.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Hamilton County
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What people ask
What is the most distressed ZIP code in Hamilton County, FL?
ZIP 32096 leads Hamilton County at 29/100, recomputed monthly from public records.
Where is Hamilton County in the housing cycle?
FHFA price-index movement places Hamilton County in peak; prices are up 3.8% over twelve months.
What is this Hamilton County analysis built from?
Hamilton 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 3 ZIPs are comparable to anywhere else.
How much do distress scores vary between Hamilton County ZIP codes?
The county figure is a blend, not a description. Across the Hamilton County ZIPs DLRadar ranks, scores run from 29/100 in 32096 down to 23/100 in 32053, against a Hamilton County average of 25/100. With 6 points between best and worst, county-level targeting in Hamilton County wastes effort.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $110,300 of value against a median household income near $46,977. Vacancy across Hamilton County's tracked ZIPs runs 21.6% and the poverty rate is 24.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Hamilton County's foreclosure and lien filings and its 91/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.