Monroe County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Monroe County, FL distress report, 2026: 11 ZIPs scored in Monroe, FL, Monroe, FL average 35/100; the top Monroe, FL ZIP is 33034 at 37/100; Monroe, FL market phase peak, Monroe, FL prices +0.6% year over year.
- Monroe, FL ranks #139 nationally (opportunity index); Monroe, FL #20 in Florida; Monroe, FL index 36.5.
- Monroe, FL: no CFPB county sample; Monroe, FL non-metro area reading 1.2%.
- Monroe, FL ZIP phases: 10 peak, 1 recovery.
- Monroe, FL residential listings tracked: 68 across 9 ZIPs; Monroe, FL candidate listings 29.
- Monroe, FL HUD assisted properties: 4 with 129 units.
- Monroe, FL lenders on watch: 3; largest Monroe, FL footprint First State Bank (8 branches).
- Monroe, FL most distressed ZIP: 33034 at 37/100.
Monroe, FL figures: DLRadar distress index; Monroe, FL inputs: CFPB, FHFA, HUD, FDIC; Monroe, FL rebuilt as sources refresh.
| Rank | Monroe, FL ZIP | Score |
|---|---|---|
| 1 | 33034 | 37/100 |
| 2 | 34141 | 37/100 |
| 3 | 33001 | 35/100 |
| 4 | 33036 | 35/100 |
| 5 | 33037 | 35/100 |
| 6 | 33040 | 35/100 |
| 7 | 33042 | 35/100 |
| 8 | 33043 | 35/100 |
| 9 | 33050 | 35/100 |
| 10 | 33051 | 35/100 |
| 11 | 33070 | 35/100 |
Most distressed Monroe, FL ZIPs (0-100, 2026)
Mortgage delinquency around Monroe, FL
No CFPB county sample covers Monroe, FL; the non-metro area reading for Monroe, FL: 1.2% ninety-plus; Monroe, FL area thirty-to-eighty-nine 3.4% (December 2025, Monroe, FL); Florida overall 1.2%.
Opportunity index: Monroe, FL
Monroe, FL index 36.5, Monroe, FL phase strong_buy; Monroe, FL primary driver vacancy, Monroe, FL second driver bank institutional. Monroe, FL components: property stress 35.3, foreclosure pressure 39.9, listing discounts 29.8, bank stress 57.7, insurance 0.0; Monroe, FL pulse 42.5; Monroe, FL capital opportunity 27.6.
ZIP market phases inside Monroe, FL
11 Monroe, FL ZIPs carry a price-cycle phase; Monroe, FL ZIPs by phase (Monroe, FL), deepest drawdown first: recovery, +0.5% YoY, 1.0% off peak (Monroe, FL): 34141; peak, +0.6% YoY, 0.3% off peak (Monroe, FL): 33001, 33034, 33036, 33037, Monroe, FL 33040, 33042, 33043, 33050, Monroe, FL 33051, 33070.
Residential listings by Monroe, FL ZIP
Monroe, FL ZIPs with the most tracked Monroe, FL residential listings: 33040 22 listings, 9 candidates, bank pressure 63; 33037 10 listings, 2 candidates, bank pressure 63; 33042 10 listings, 5 candidates, bank pressure 63; 33050 9 listings, 5 candidates, bank pressure 63 (Monroe, FL); 33043 7 listings, 3 candidates, bank pressure 63; 33070 5 listings, 2 candidates, bank pressure 63; 33036 4 listings, 2 candidates, bank pressure 63; 33051 1 listings, 1 candidates, bank pressure 63. Monroe, FL totals: 68 listings; Monroe, FL candidates 29; active ZIPs 0.
HUD assisted housing in Monroe, FL
4 assisted properties with 129 units sit in Monroe, FL; largest Monroe, FL properties: Keys Lake Villas (Key Largo) 110 units; Harvey House (Key West) 11 units, 11 assisted; Mccarthy/Rogers Residence (Key West) 5 units, 5 assisted in Monroe, FL; Seebol Place (Key West) 3 units, 3 assisted.
Lenders with branches in Monroe, FL
Monroe, FL lenders by branch count: First State Bank (Monroe, FL): stress 84, 8 branches low in Monroe, FL; Gulf Atlantic Bank (Monroe, FL): stress 81, 1 branch low in Monroe, FL; Southstate Bank Na (Monroe, FL): stress 48, 1 branch low in Monroe, FL.
Vacancy and permits, Monroe, FL
20,429 of 54,834 Monroe, FL housing units are vacant; Monroe, FL permits, twelve months: 79 multifamily units in Monroe, FL, 217 one-to-four unit units.
Work Monroe, FL at the parcel level
Every Monroe, FL parcel carries owner and address; every Monroe, FL parcel carries APN; Monroe, FL distress scores sit on the Monroe, FL live board; Monroe, FL lead lists by signal.
Monroe, FL figures refresh with each source.
Monroe, FL questions
Most distressed ZIP code in Monroe County, FL?
ZIP 33034 leads Monroe, FL at 37/100; next in Monroe, FL: 34141 at 37/100; the Monroe, FL average is 35/100.
Where does Monroe County, FL rank for investment opportunity?
Monroe, FL is #139 among all ranked counties, #20 in Florida; the Monroe, FL driver is vacancy; Monroe, FL moved down 38 places.
How many mortgages are delinquent in Monroe County, FL?
Monroe, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Monroe, FL.
Which banks lend in Monroe County, FL?
3 watched lenders hold Monroe, FL branches; the largest Monroe, FL footprints are First State Bank (8), Gulf Atlantic Bank (1), Southstate Bank Na (1).
More on Monroe, FL
Monroe County, FL distress report: public-record figures for Monroe, FL; not legal advice for Monroe, FL; not tax or investment advice; verify every Monroe, FL record before acting.