Okaloosa County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Okaloosa County, Florida? DLRadar grades every Okaloosa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Okaloosa County breakdown.
- Okaloosa County's most distressed ZIP is 32536 at 37/100.
- 14 ZIP codes tracked in Okaloosa County, averaging 36/100 distress.
- Okaloosa County reads neutral — home values up 4.9% year over year.
- Vacancy runs 13.9% across Okaloosa County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Okaloosa County home is worth about $351,558 against a ~$80,262 median income.
- Lending headwind in Okaloosa County sits at 37/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32536 | 37/100 |
| 2 | 32541 | 37/100 |
| 3 | 32542 | 37/100 |
| 4 | 32544 | 37/100 |
| 5 | 32547 | 37/100 |
| 6 | 32548 | 37/100 |
| 7 | 32569 | 37/100 |
| 8 | 32579 | 37/100 |
| 9 | 32580 | 37/100 |
| 10 | 32578 | 36/100 |
| 11 | 32539 | 35/100 |
| 12 | 32531 | 34/100 |
Most distressed ZIP codes in Okaloosa County (composite distress 0-100, 2026)
What is driving Okaloosa County distress
Okaloosa County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 36/100 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.
Okaloosa County market phase and pricing
Okaloosa County reads neutral — home prices rose 4.9% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Okaloosa County
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What people ask
Where is distress highest inside Okaloosa County, FL?
ZIP 32536 leads Okaloosa County at 37/100, recomputed monthly from public records.
How would you describe the Okaloosa County market phase?
FHFA price-index movement places Okaloosa County in neutral; prices are up 4.9% over twelve months.
What is this Okaloosa County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Okaloosa County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Okaloosa County ZIP codes?
A single county score papers over real variation. Across the Okaloosa County ZIPs DLRadar ranks, scores run from 37/100 in 32536 down to 34/100 in 32531, against a Okaloosa County average of 36/100. That 3-point gap is why acquisition targeting in Okaloosa County works at ZIP level rather than county level.
What do Okaloosa County home values and vacancy say about distressed supply?
The typical Okaloosa County home carries about $351,558 of value against a median household income near $80,262. Vacancy across Okaloosa County's tracked ZIPs runs 13.9% and the poverty rate is 8.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Okaloosa County's foreclosure and tax-lien record and its 37/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.