Miami Dade County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Miami Dade County, FL distress report, 2026: 81 ZIPs scored in Miami Dade, FL, Miami Dade, FL average 38/100; the top Miami Dade, FL ZIP is 33131 at 40/100; Miami Dade, FL market phase peak, Miami Dade, FL prices +0.6% year over year.
- Miami Dade, FL ranks #665 nationally (opportunity index); Miami Dade, FL #57 in Florida; Miami Dade, FL index 32.6.
- Miami Dade, FL ninety-day mortgage delinquency 1.1% in December 2025; Miami Dade, FL twelve-month change +0.3%.
- Miami Dade, FL ZIP phases: 80 peak, 1 recovery.
- Miami Dade, FL residential listings tracked: 1,139 across 60 ZIPs; Miami Dade, FL candidate listings 173.
- Miami Dade, FL lenders on watch: 8; largest Miami Dade, FL footprint Ocean Bank (21 branches).
- Miami Dade, FL most distressed ZIP: 33131 at 40/100.
Miami Dade, FL figures: DLRadar distress index; Miami Dade, FL inputs: CFPB, FHFA, HUD, FDIC; Miami Dade, FL rebuilt as sources refresh.
| Rank | Miami Dade, FL ZIP | Score |
|---|---|---|
| 1 | 33131 | 40/100 |
| 2 | 33010 | 38/100 |
| 3 | 33012 | 38/100 |
| 4 | 33013 | 38/100 |
| 5 | 33014 | 38/100 |
| 6 | 33015 | 38/100 |
| 7 | 33016 | 38/100 |
| 8 | 33018 | 38/100 |
| 9 | 33030 | 38/100 |
| 10 | 33031 | 38/100 |
| 11 | 33032 | 38/100 |
| 12 | 33033 | 38/100 |
Most distressed Miami Dade, FL ZIPs (0-100, 2026)
Mortgage delinquency in Miami Dade, FL
1.1% of Miami Dade, FL mortgages were ninety-plus days late (Miami Dade, FL, December 2025); Miami Dade, FL thirty-to-eighty-nine days late: 2.3%; Miami Dade, FL twelve-month change +0.3%; Miami Dade, FL peak since 2008: 13.7% (November 2011); Florida overall 1.2%. Miami Dade, FL ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 0.9 (Miami Dade, FL), Mar 25 0.9, Apr 25 0.8, May 25 1.0 (Miami Dade, FL), Jun 25 1.0, Jul 25 1.0, Aug 25 1.1 (Miami Dade, FL), Sep 25 1.0, Oct 25 1.0, Nov 25 1.0 (Miami Dade, FL), Dec 25 1.1.
Opportunity index: Miami Dade, FL
Miami Dade, FL index 32.6, Miami Dade, FL phase watchlist; Miami Dade, FL primary driver construction, Miami Dade, FL second driver bank institutional. Miami Dade, FL components: property stress 27.0, foreclosure pressure 29.5, listing discounts 28.7, bank stress 60.7, insurance 0.0; Miami Dade, FL pulse 37.3; Miami Dade, FL capital opportunity 25.5; Miami Dade, FL seven-day change +0.4%.
ZIP market phases inside Miami Dade, FL
81 Miami Dade, FL ZIPs carry a price-cycle phase; Miami Dade, FL ZIPs by phase (Miami Dade, FL), deepest drawdown first: recovery, +0.5% YoY, 1.0% off peak (Miami Dade, FL): 34141; peak, +0.6% YoY, 0.3% off peak (Miami Dade, FL): 33010, 33012, 33013, 33014, Miami Dade, FL 33015, 33016, 33018, 33030, Miami Dade, FL 33031, 33032, 33033, 33034, Miami Dade, FL 33035, 33039, 33054.
Residential listings by Miami Dade, FL ZIP
Miami Dade, FL ZIPs with the most tracked Miami Dade, FL residential listings: 33034 75 listings, 1 candidates, bank pressure 64; 33033 67 listings, 7 candidates, bank pressure 65; 33160 64 listings, 24 candidates, bank pressure 65; 33032 50 listings, 3 candidates, bank pressure 65 (Miami Dade, FL); 33132 45 listings, 4 candidates, bank pressure 65; 33035 38 listings, 5 candidates, bank pressure 65; 33131 37 listings, 3 candidates, bank pressure 65; 33139 36 listings, 10 candidates, bank pressure 65. Miami Dade, FL totals: 1,139 listings; Miami Dade, FL candidates 173; active ZIPs 59.
Lenders with branches in Miami Dade, FL
Miami Dade, FL lenders by branch count: Ocean Bank (Miami Dade, FL): stress 70, 21 branches low in Miami Dade, FL; City Nb Of Florida (Miami Dade, FL): stress 64, 19 branches low in Miami Dade, FL; Bankunited National Assn (Miami Dade, FL): stress 76, 15 branches low in Miami Dade, FL; Amerant Bank National Assn (Miami Dade, FL): stress 74, 14 branches low in Miami Dade, FL; U S Century Bank (Miami Dade, FL): stress 65, 9 branches low in Miami Dade, FL; Seacoast National Bank (Miami Dade, FL): stress 58, 7 branches low in Miami Dade, FL; Southstate Bank Na (Miami Dade, FL): stress 48, 6 branches low in Miami Dade, FL; Terrabank National Assn (Miami Dade, FL): stress 81, 5 branches low in Miami Dade, FL.
Vacancy and permits, Miami Dade, FL
119,572 of 1,094,983 Miami Dade, FL housing units are vacant; Miami Dade, FL permits, twelve months: 8,802 multifamily units in Miami Dade, FL, 2,456 one-to-four unit units.
Work Miami Dade, FL at the parcel level
Every Miami Dade, FL parcel carries owner and address; every Miami Dade, FL parcel carries APN; Miami Dade, FL distress scores sit on the Miami Dade, FL live board; Miami Dade, FL lead lists by signal.
Miami Dade, FL figures refresh with each source.
Miami Dade, FL questions
Most distressed ZIP code in Miami Dade County, FL?
ZIP 33131 leads Miami Dade, FL at 40/100; next in Miami Dade, FL: 33010 at 38/100; the Miami Dade, FL average is 38/100.
Where does Miami Dade County, FL rank for investment opportunity?
Miami Dade, FL is #665 among all ranked counties, #57 in Florida; the Miami Dade, FL driver is construction; Miami Dade, FL moved up 55 places.
How many mortgages are delinquent in Miami Dade County, FL?
1.1% of Miami Dade, FL mortgages were ninety-plus days late in December 2025; the Miami Dade, FL peak since 2008 was 13.7%.
Which banks lend in Miami Dade County, FL?
8 watched lenders hold Miami Dade, FL branches; the largest Miami Dade, FL footprints are Ocean Bank (21), City Nb Of Florida (19), Bankunited National Assn (15).
More on Miami Dade, FL
Miami Dade County, FL distress report: public-record figures for Miami Dade, FL; not legal advice for Miami Dade, FL; not tax or investment advice; verify every Miami Dade, FL record before acting.