Liberty County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Liberty County, Florida? DLRadar grades every Liberty County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 12/100. Here is the 2026 Liberty County breakdown.
- Liberty County's most distressed ZIP is 32321 at 12/100.
- 3 ZIP codes tracked in Liberty County, averaging 12/100 distress.
- Liberty County reads peak — home values up 3.8% year over year.
- Vacancy runs 12.1% across Liberty County's tracked ZIPs, with a 13.7% poverty rate.
- The typical Liberty County home is worth about $120,800 against a ~$53,929 median income.
- Lending headwind in Liberty County sits at 0/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32321 | 12/100 |
| 2 | 32334 | 12/100 |
| 3 | 32360 | 12/100 |
Most distressed ZIP codes in Liberty County (composite distress 0-100, 2026)
What is driving Liberty County distress
Liberty County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 12/100 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.
Liberty County market phase and pricing
DLRadar places Liberty County in peak; prices moved up 3.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Liberty County
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Frequently asked
Which ZIP code leads Liberty County on distress?
ZIP 32321 leads Liberty County at 12/100, recomputed monthly from public records.
Which phase does Liberty County sit in right now?
Liberty County reads peak, with home prices up 3.8% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Liberty County numbers?
Liberty 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 Liberty County ZIP codes?
The county figure is a blend, not a description. Across the Liberty County ZIPs DLRadar ranks, scores run from 12/100 in 32321 down to 12/100 in 32360, against a Liberty County average of 12/100. Because the gap runs to 0 points, Liberty County rewards ZIP-level precision.
What do Liberty County home values and vacancy say about distressed supply?
The typical Liberty County home carries about $120,800 of value against a median household income near $53,929. Vacancy across Liberty County's tracked ZIPs runs 12.1% and the poverty rate is 13.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Liberty County's foreclosure and tax-lien filings and its 0/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.