Madison County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, FL distress report, 2026: 5 ZIPs scored in Madison, FL, Madison, FL average 26/100; the top Madison, FL ZIP is 32059 at 27/100; Madison, FL market phase peak, Madison, FL prices +3.8% year over year.
- Madison, FL ranks #70 nationally (opportunity index); Madison, FL #10 in Florida; Madison, FL index 37.9.
- Madison, FL: no CFPB county sample; Madison, FL non-metro area reading 1.2%.
- Madison, FL ZIP phases: 4 peak, 1 neutral.
- Madison, FL residential listings tracked: 24 across 4 ZIPs; Madison, FL candidate listings 10.
- Madison, FL HUD assisted properties: 2 with 147 units.
- Madison, FL lenders on watch: 2; largest Madison, FL footprint Madison Cnty Cmty Bank (1 branch).
- Madison, FL most distressed ZIP: 32059 at 27/100.
Madison, FL figures: DLRadar distress index; Madison, FL inputs: CFPB, FHFA, HUD, FDIC; Madison, FL rebuilt as sources refresh.
| Rank | Madison, FL ZIP | Score |
|---|---|---|
| 1 | 32059 | 27/100 |
| 2 | 32340 | 27/100 |
| 3 | 32350 | 27/100 |
| 4 | 32331 | 25/100 |
| 5 | 32336 | 22/100 |
Most distressed Madison, FL ZIPs (0-100, 2026)
Mortgage delinquency around Madison, FL
No CFPB county sample covers Madison, FL; the non-metro area reading for Madison, FL: 1.2% ninety-plus; Madison, FL area thirty-to-eighty-nine 3.4% (December 2025, Madison, FL); Florida overall 1.2%.
Opportunity index: Madison, FL
Madison, FL index 37.9, Madison, FL phase strong_buy; Madison, FL primary driver vacancy, Madison, FL second driver bank institutional. Madison, FL components: property stress 30.2, foreclosure pressure 31.8, listing discounts 48.4, bank stress 51.3, insurance 0.0; Madison, FL pulse 39.7; Madison, FL capital opportunity 35.1; Madison, FL seven-day change +0.1%.
ZIP market phases inside Madison, FL
5 Madison, FL ZIPs carry a price-cycle phase; Madison, FL ZIPs by phase (Madison, FL), deepest drawdown first: peak, +3.8% YoY (Madison, FL): 32059, 32340, 32350; peak, +4.1% YoY (Madison, FL): 32331; neutral, +4.6% YoY (Madison, FL): 32336.
Residential listings by Madison, FL ZIP
Madison, FL ZIPs with the most tracked Madison, FL residential listings: 32340 14 listings, 5 candidates, bank pressure 68; 32331 5 listings, 2 candidates, bank pressure 63; 32350 3 listings, 2 candidates, bank pressure 68; 32059 2 listings, 1 candidates, bank pressure 68 (Madison, FL). Madison, FL totals: 24 listings; Madison, FL candidates 10; active ZIPs 0.
HUD assisted housing in Madison, FL
2 assisted properties with 147 units sit in Madison, FL; largest Madison, FL properties: Springhill Apartments (Madison) 76 units, 76 assisted; Arbours At Madison (Madison) 71 units.
Lenders with branches in Madison, FL
Madison, FL lenders by branch count: Madison Cnty Cmty Bank (Madison, FL): stress 85, 1 branch moderate in Madison, FL; Capital City Bank (Madison, FL): stress 54, 1 branch moderate in Madison, FL.
Vacancy and permits, Madison, FL
1,442 of 8,418 Madison, FL housing units are vacant; Madison, FL permits, twelve months: 0 multifamily units in Madison, FL, 42 one-to-four unit units.
Work Madison, FL at the parcel level
Every Madison, FL parcel carries owner and address; every Madison, FL parcel carries APN; Madison, FL distress scores sit on the Madison, FL live board; Madison, FL lead lists by signal.
Madison, FL figures refresh with each source.
Madison, FL questions
Most distressed ZIP code in Madison County, FL?
ZIP 32059 leads Madison, FL at 27/100; next in Madison, FL: 32340 at 27/100; the Madison, FL average is 26/100.
Where does Madison County, FL rank for investment opportunity?
Madison, FL is #70 among all ranked counties, #10 in Florida; the Madison, FL driver is vacancy; Madison, FL moved up 229 places.
How many mortgages are delinquent in Madison County, FL?
Madison, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Madison, FL.
Which banks lend in Madison County, FL?
2 watched lenders hold Madison, FL branches; the largest Madison, FL footprints are Madison Cnty Cmty Bank (1), Capital City Bank (1).
More on Madison, FL
Madison County, FL distress report: public-record figures for Madison, FL; not legal advice for Madison, FL; not tax or investment advice; verify every Madison, FL record before acting.