Jackson County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jackson County, Florida? DLRadar grades every Jackson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Jackson County breakdown.
- Jackson County's most distressed ZIP is 32438 at 34/100.
- 14 ZIP codes tracked in Jackson County, averaging 31/100 distress.
- Jackson County reads peak — home values up 3.8% year over year.
- Vacancy runs 15.9% across Jackson County's tracked ZIPs, with a 18.8% poverty rate.
- The typical Jackson County home is worth about $125,462 against a ~$49,523 median income.
- Lending headwind in Jackson County sits at 69/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32438 | 34/100 |
| 2 | 32420 | 32/100 |
| 3 | 32423 | 32/100 |
| 4 | 32426 | 32/100 |
| 5 | 32432 | 32/100 |
| 6 | 32443 | 32/100 |
| 7 | 32445 | 32/100 |
| 8 | 32446 | 32/100 |
| 9 | 32448 | 32/100 |
| 10 | 32460 | 32/100 |
| 11 | 32442 | 31/100 |
| 12 | 32431 | 30/100 |
Most distressed ZIP codes in Jackson County (composite distress 0-100, 2026)
What is driving Jackson County distress
The Jackson County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 31/100 ZIP average. No proprietary or modelled inputs enter the score.
Jackson County market phase and pricing
Jackson County currently sits in peak after a 3.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Jackson County
Keep reading the Jackson County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
Nothing charged today · every module open, on live data.
Frequently asked questions
Which ZIP code leads Jackson County on distress?
ZIP 32438 leads Jackson County at 34/100, recomputed monthly from public records.
What market phase is Jackson County in?
Phase for Jackson County: peak, tracking a 3.8% gain year over year, read off the FHFA index.
What is this Jackson County analysis built from?
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 14 ZIP codes in Jackson County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Jackson County ZIP codes?
Averaging the county conceals how uneven it is. Across the Jackson County ZIPs DLRadar ranks, scores run from 34/100 in 32438 down to 30/100 in 32431, against a Jackson County average of 31/100. Those 4 points separate the ZIPs worth working in Jackson County from the rest.
What do Jackson County home values and vacancy say about distressed supply?
The typical Jackson County home carries about $125,462 of value against a median household income near $49,523. Vacancy across Jackson County's tracked ZIPs runs 15.9% and the poverty rate is 18.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Jackson County's foreclosure and tax-lien filings and its 69/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.