Holmes County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Holmes County, Florida? DLRadar grades every Holmes County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Holmes County breakdown.
- Holmes County's most distressed ZIP is 32455 at 30/100.
- 4 ZIP codes tracked in Holmes County, averaging 27/100 distress.
- Holmes County reads peak — home values up 3.8% year over year.
- Vacancy runs 16.9% across Holmes County's tracked ZIPs, with a 18.5% poverty rate.
- The typical Holmes County home is worth about $111,250 against a ~$48,857 median income.
- Lending headwind in Holmes County sits at 84/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32455 | 30/100 |
| 2 | 32440 | 29/100 |
| 3 | 32464 | 25/100 |
| 4 | 32425 | 22/100 |
Most distressed ZIP codes in Holmes County (composite distress 0-100, 2026)
What is driving Holmes County distress
The Holmes County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 27/100 ZIP average. No proprietary or modelled inputs enter the score.
Holmes County market phase and pricing
Holmes County reads peak — home prices rose 3.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Which part of Holmes County, FL scores highest for distress?
ZIP 32455 leads Holmes County at 30/100, recomputed monthly from public records.
How would you describe the Holmes County market phase?
Holmes County is classified peak with a 3.8% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Holmes County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 4 ZIP codes in Holmes County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Holmes County ZIP codes?
One county number flattens a wide range. Across the Holmes County ZIPs DLRadar ranks, scores run from 30/100 in 32455 down to 22/100 in 32425, against a Holmes County average of 27/100. That 8-point gap is why acquisition targeting in Holmes County works at ZIP level rather than county level.
What do Holmes County home values and vacancy say about distressed supply?
The typical Holmes County home carries about $111,250 of value against a median household income near $48,857. Vacancy across Holmes County's tracked ZIPs runs 16.9% and the poverty rate is 18.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Holmes County's foreclosure and tax-lien record and its 84/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.