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 39/100. Here is the 2026 Okaloosa County breakdown.
- Okaloosa County's most distressed ZIP is 32536 at 39/100.
- 14 ZIP codes tracked in Okaloosa County, averaging 38/100 distress.
- Okaloosa County reads neutral — home values up 4.2% 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 14/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32536 | 39/100 |
| 2 | 32541 | 39/100 |
| 3 | 32542 | 39/100 |
| 4 | 32544 | 39/100 |
| 5 | 32547 | 39/100 |
| 6 | 32548 | 39/100 |
| 7 | 32569 | 39/100 |
| 8 | 32579 | 39/100 |
| 9 | 32580 | 39/100 |
| 10 | 32578 | 38/100 |
| 11 | 32539 | 37/100 |
| 12 | 32531 | 36/100 |
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 38/100 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 4.2% 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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Frequently asked questions
What is the most distressed ZIP code in Okaloosa County, FL?
ZIP 32536 leads Okaloosa County at 39/100, recomputed monthly from public records.
What market phase is Okaloosa County in?
Okaloosa County reads neutral, with home prices up 4.2% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Okaloosa County data come from?
Every figure traces to a public source — FHFA HPI, CFPB, county recorder filings, FEMA/NFIP and Census ACS — scored deterministically, the same way in every county.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.