Madison County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Florida? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 32059 at 24/100.
- 5 ZIP codes tracked in Madison County, averaging 23/100 distress.
- Madison County reads peak — home values up 3.8% year over year.
- Vacancy runs 20.9% across Madison County's tracked ZIPs, with a 19.9% poverty rate.
- The typical Madison County home is worth about $117,360 against a ~$46,924 median income.
- Lending headwind in Madison County sits at 62/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32059 | 24/100 |
| 2 | 32340 | 24/100 |
| 3 | 32350 | 24/100 |
| 4 | 32331 | 23/100 |
| 5 | 32336 | 22/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
Madison County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 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.
Madison County market phase and pricing
Madison 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.
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Frequently asked questions
Which Madison County ZIP scores worst for distress?
ZIP 32059 leads Madison County at 24/100, recomputed monthly from public records.
Is Madison County expanding or contracting?
FHFA price-index movement places Madison County in peak; prices are up 3.8% over twelve months.
How is the Madison County data sourced?
Each Madison County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 5 local ZIPs and every other county in the country.
How much do distress scores vary between Madison County ZIP codes?
One county number flattens a wide range. Across the Madison County ZIPs DLRadar ranks, scores run from 24/100 in 32059 down to 22/100 in 32336, against a Madison County average of 23/100. Those 2 points separate the ZIPs worth working in Madison County from the rest.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $117,360 of value against a median household income near $46,924. Vacancy across Madison County's tracked ZIPs runs 20.9% and the poverty rate is 19.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Madison County's foreclosure and lien data and its 62/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.