Monroe County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Florida? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 33001 at 37/100.
- 11 ZIP codes tracked in Monroe County, averaging 37/100 distress.
- Monroe County reads peak — home values up 0.6% year over year.
- Vacancy runs 39.8% across Monroe County's tracked ZIPs, with a 12% poverty rate.
- The typical Monroe County home is worth about $745,660 against a ~$75,162 median income.
- Lending headwind in Monroe County sits at 33/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 33001 | 37/100 |
| 2 | 33034 | 37/100 |
| 3 | 33036 | 37/100 |
| 4 | 33037 | 37/100 |
| 5 | 33040 | 37/100 |
| 6 | 33042 | 37/100 |
| 7 | 33043 | 37/100 |
| 8 | 33050 | 37/100 |
| 9 | 33051 | 37/100 |
| 10 | 33070 | 37/100 |
| 11 | 34141 | 36/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 37/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Monroe County market phase and pricing
Monroe County currently sits in peak after a 0.6% 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 Monroe County
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Frequently asked questions
What is the hardest-hit ZIP in Monroe County?
ZIP 33001 leads Monroe County at 37/100, recomputed monthly from public records.
How would you describe the Monroe County market phase?
Monroe County is classified peak with a 0.6% year-over-year increase, following the FHFA House Price Index.
Where does the Monroe County data come from?
Each Monroe 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 11 local ZIPs and every other county in the country.
How much do distress scores vary between Monroe County ZIP codes?
A single county score papers over real variation. Across the Monroe County ZIPs DLRadar ranks, scores run from 37/100 in 33001 down to 36/100 in 34141, against a Monroe County average of 37/100. The 1-point range is the argument for ZIP-level search across Monroe County.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $745,660 of value against a median household income near $75,162. Vacancy across Monroe County's tracked ZIPs runs 39.8% and the poverty rate is 12%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Monroe County's filings and its 33/100 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.