Holmes County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Holmes County, FL distress report, 2026: 4 ZIPs scored in Holmes, FL, Holmes, FL average 27/100; the top Holmes, FL ZIP is 32455 at 31/100; Holmes, FL market phase peak, Holmes, FL prices +3.8% year over year.
- Holmes, FL ranks #47 nationally (opportunity index); Holmes, FL #8 in Florida; Holmes, FL index 38.7.
- Holmes, FL: no CFPB county sample; Holmes, FL non-metro area reading 1.2%.
- Holmes, FL ZIP phases: 3 peak, 1 neutral.
- Holmes, FL residential listings tracked: 8 across 2 ZIPs; Holmes, FL candidate listings 5.
- Holmes, FL lenders on watch: 1; largest Holmes, FL footprint First Federal Bank (1 branch).
- Holmes, FL most distressed ZIP: 32455 at 31/100.
Holmes, FL figures: DLRadar distress index; Holmes, FL inputs: CFPB, FHFA, HUD, FDIC; Holmes, FL rebuilt as sources refresh.
| Rank | Holmes, FL ZIP | Score |
|---|---|---|
| 1 | 32455 | 31/100 |
| 2 | 32440 | 29/100 |
| 3 | 32464 | 25/100 |
| 4 | 32425 | 21/100 |
Most distressed Holmes, FL ZIPs (0-100, 2026)
Mortgage delinquency around Holmes, FL
No CFPB county sample covers Holmes, FL; the non-metro area reading for Holmes, FL: 1.2% ninety-plus; Holmes, FL area thirty-to-eighty-nine 3.4% (December 2025, Holmes, FL); Florida overall 1.2%.
Opportunity index: Holmes, FL
Holmes, FL index 38.7, Holmes, FL phase strong_buy; Holmes, FL primary driver vacancy, Holmes, FL second driver bank institutional. Holmes, FL components: property stress 27.3, foreclosure pressure 28.4, listing discounts 54.6, bank stress 57.8, insurance 0.0; Holmes, FL pulse 40.7; Holmes, FL capital opportunity 35.7; Holmes, FL seven-day change +0.4%.
ZIP market phases inside Holmes, FL
4 Holmes, FL ZIPs carry a price-cycle phase; Holmes, FL ZIPs by phase (Holmes, FL), deepest drawdown first: peak, +3.8% YoY, 0.1% off peak (Holmes, FL): 32425; peak, +3.8% YoY (Holmes, FL): 32440; neutral, +4.6% YoY (Holmes, FL): 32455; peak, +4.0% YoY (Holmes, FL): 32464.
Residential listings by Holmes, FL ZIP
Holmes, FL ZIPs with the most tracked Holmes, FL residential listings: 32425 4 listings, 4 candidates, bank pressure 65; 32464 4 listings, 1 candidates, bank pressure 61. Holmes, FL totals: 8 listings; Holmes, FL candidates 5; active ZIPs 0.
Lenders with branches in Holmes, FL
Holmes, FL lenders by branch count: First Federal Bank (Holmes, FL): stress 65, 1 branch low in Holmes, FL.
Vacancy and permits, Holmes, FL
1,648 of 8,659 Holmes, FL housing units are vacant; Holmes, FL permits, twelve months: 0 multifamily units in Holmes, FL, 14 one-to-four unit units.
Work Holmes, FL at the parcel level
Every Holmes, FL parcel carries owner and address; every Holmes, FL parcel carries APN; Holmes, FL distress scores sit on the Holmes, FL live board; Holmes, FL lead lists by signal.
Holmes, FL figures refresh with each source.
Holmes, FL questions
Most distressed ZIP code in Holmes County, FL?
ZIP 32455 leads Holmes, FL at 31/100; next in Holmes, FL: 32440 at 29/100; the Holmes, FL average is 27/100.
Where does Holmes County, FL rank for investment opportunity?
Holmes, FL is #47 among all ranked counties, #8 in Florida; the Holmes, FL driver is vacancy; Holmes, FL moved up 203 places.
How many mortgages are delinquent in Holmes County, FL?
Holmes, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Holmes, FL.
Which banks lend in Holmes County, FL?
1 watched lenders hold Holmes, FL branches; the largest Holmes, FL footprints are First Federal Bank (1).
More on Holmes, FL
Holmes County, FL distress report: public-record figures for Holmes, FL; not legal advice for Holmes, FL; not tax or investment advice; verify every Holmes, FL record before acting.