Hernando County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hernando County, FL distress report, 2026: 12 ZIPs scored in Hernando, FL, Hernando, FL average 38/100; the top Hernando, FL ZIP is 34601 at 38/100; Hernando, FL market phase peak, Hernando, FL prices +0.6% year over year.
- Hernando, FL ranks #183 nationally (opportunity index); Hernando, FL #23 in Florida; Hernando, FL index 36.0.
- Hernando, FL ninety-day mortgage delinquency 1.8% in December 2025; Hernando, FL twelve-month change +0.9%.
- Hernando, FL ZIP phases: 11 peak, 1 recovery.
- Hernando, FL residential listings tracked: 225 across 10 ZIPs; Hernando, FL candidate listings 34.
- Hernando, FL HUD assisted properties: 2 with 30 units.
- Hernando, FL lenders on watch: 2; largest Hernando, FL footprint Capital City Bank (3 branches).
- Hernando, FL most distressed ZIP: 34601 at 38/100.
Hernando, FL figures: DLRadar distress index; Hernando, FL inputs: CFPB, FHFA, HUD, FDIC; Hernando, FL rebuilt as sources refresh.
| Rank | Hernando, FL ZIP | Score |
|---|---|---|
| 1 | 34601 | 38/100 |
| 2 | 34602 | 38/100 |
| 3 | 34604 | 38/100 |
| 4 | 34606 | 38/100 |
| 5 | 34607 | 38/100 |
| 6 | 34608 | 38/100 |
| 7 | 34609 | 38/100 |
| 8 | 34613 | 38/100 |
| 9 | 34614 | 38/100 |
| 10 | 34661 | 38/100 |
| 11 | 33523 | 35/100 |
| 12 | 33597 | 35/100 |
Most distressed Hernando, FL ZIPs (0-100, 2026)
Mortgage delinquency in Hernando, FL
1.8% of Hernando, FL mortgages were ninety-plus days late (Hernando, FL, December 2025); Hernando, FL thirty-to-eighty-nine days late: 3.8%; Hernando, FL twelve-month change +0.9%; Hernando, FL peak since 2008: 7.9% (October 2011); Florida overall 1.2%. Hernando, FL ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.2 (Hernando, FL), Mar 25 1.1, Apr 25 1.3, May 25 1.4 (Hernando, FL), Jun 25 1.5, Jul 25 1.5, Aug 25 1.7 (Hernando, FL), Sep 25 1.8, Oct 25 1.7, Nov 25 1.6 (Hernando, FL), Dec 25 1.8.
Opportunity index: Hernando, FL
Hernando, FL index 36.0, Hernando, FL phase peak_opportunity; Hernando, FL primary driver construction, Hernando, FL second driver vacancy. Hernando, FL components: property stress 27.0, foreclosure pressure 29.4, listing discounts 41.4, bank stress 52.9, insurance 0.0; Hernando, FL pulse 39.0; Hernando, FL capital opportunity 31.6; Hernando, FL seven-day change +0.1%.
ZIP market phases inside Hernando, FL
12 Hernando, FL ZIPs carry a price-cycle phase; Hernando, FL ZIPs by phase (Hernando, FL), deepest drawdown first: recovery, +1.2% YoY, 1.3% off peak (Hernando, FL): 33597; peak, +0.6% YoY, 0.3% off peak (Hernando, FL): 33523, 34602, 34604, 34606, Hernando, FL 34607, 34608, 34609, 34613, Hernando, FL 34614, 34661, 34601.
Residential listings by Hernando, FL ZIP
Hernando, FL ZIPs with the most tracked Hernando, FL residential listings: 34609 47 listings, 4 candidates, bank pressure 59; 34608 40 listings, 6 candidates, bank pressure 59; 34613 27 listings, 2 candidates, bank pressure 59; 34606 26 listings, 3 candidates, bank pressure 59 (Hernando, FL); 34602 21 listings, 6 candidates, bank pressure 59; 34601 18 listings, 4 candidates, bank pressure 60; 34614 18 listings, 2 candidates, bank pressure 59; 34604 16 listings, 3 candidates, bank pressure 59. Hernando, FL totals: 225 listings; Hernando, FL candidates 34; active ZIPs 9.
HUD assisted housing in Hernando, FL
2 assisted properties with 30 units sit in Hernando, FL; largest Hernando, FL properties: Portillo Apartments (Spring Hill) 15 units, 14 assisted; Spring Hill Apartments (Spring Hill) 15 units, 14 assisted.
Lenders with branches in Hernando, FL
Hernando, FL lenders by branch count: Capital City Bank (Hernando, FL): stress 54, 3 branches low in Hernando, FL; Brannen Bank (Hernando, FL): stress 62, 2 branches low in Hernando, FL.
Vacancy and permits, Hernando, FL
10,060 of 92,535 Hernando, FL housing units are vacant; Hernando, FL permits, twelve months: 8 multifamily units in Hernando, FL, 1,838 one-to-four unit units.
Work Hernando, FL at the parcel level
Every Hernando, FL parcel carries owner and address; every Hernando, FL parcel carries APN; Hernando, FL distress scores sit on the Hernando, FL live board; Hernando, FL lead lists by signal.
Hernando, FL figures refresh with each source.
Hernando, FL questions
Most distressed ZIP code in Hernando County, FL?
ZIP 34601 leads Hernando, FL at 38/100; next in Hernando, FL: 34602 at 38/100; the Hernando, FL average is 38/100.
Where does Hernando County, FL rank for investment opportunity?
Hernando, FL is #183 among all ranked counties, #23 in Florida; the Hernando, FL driver is construction; Hernando, FL moved up 207 places.
How many mortgages are delinquent in Hernando County, FL?
1.8% of Hernando, FL mortgages were ninety-plus days late in December 2025; the Hernando, FL peak since 2008 was 7.9%.
Which banks lend in Hernando County, FL?
2 watched lenders hold Hernando, FL branches; the largest Hernando, FL footprints are Capital City Bank (3), Brannen Bank (2).
More on Hernando, FL
Hernando County, FL distress report: public-record figures for Hernando, FL; not legal advice for Hernando, FL; not tax or investment advice; verify every Hernando, FL record before acting.