Okaloosa County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Okaloosa County, FL distress report, 2026: 14 ZIPs scored in Okaloosa, FL, Okaloosa, FL average 38/100; the top Okaloosa, FL ZIP is 32536 at 39/100; Okaloosa, FL market phase neutral, Okaloosa, FL prices +4.9% year over year.
- Okaloosa, FL ranks #26 nationally (opportunity index); Okaloosa, FL #6 in Florida; Okaloosa, FL index 39.6.
- Okaloosa, FL ninety-day mortgage delinquency 1.1% in December 2025; Okaloosa, FL twelve-month change +0.2%.
- Okaloosa, FL ZIP phases: 13 neutral, 1 peak.
- Okaloosa, FL residential listings tracked: 4,112 across 13 ZIPs; Okaloosa, FL candidate listings 2,899.
- Okaloosa, FL HUD assisted properties: 8 with 1,078 units.
- Okaloosa, FL lenders on watch: 2; largest Okaloosa, FL footprint Fnbt Bank (7 branches).
- Okaloosa, FL most distressed ZIP: 32536 at 39/100.
Okaloosa, FL figures: DLRadar distress index; Okaloosa, FL inputs: CFPB, FHFA, HUD, FDIC; Okaloosa, FL rebuilt as sources refresh.
| Rank | Okaloosa, FL ZIP | Score |
|---|---|---|
| 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 | 32539 | 38/100 |
| 11 | 32578 | 38/100 |
| 12 | 32531 | 36/100 |
Most distressed Okaloosa, FL ZIPs (0-100, 2026)
Mortgage delinquency in Okaloosa, FL
1.1% of Okaloosa, FL mortgages were ninety-plus days late (Okaloosa, FL, December 2025); Okaloosa, FL thirty-to-eighty-nine days late: 1.6%; Okaloosa, FL twelve-month change +0.2%; Okaloosa, FL peak since 2008: 4.9% (February 2012); Florida overall 1.2%. Okaloosa, FL ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.2 (Okaloosa, FL), Mar 25 1.0, Apr 25 0.7, May 25 0.9 (Okaloosa, FL), Jun 25 0.9, Jul 25 1.0, Aug 25 0.9 (Okaloosa, FL), Sep 25 0.8, Oct 25 1.0, Nov 25 1.1 (Okaloosa, FL), Dec 25 1.1.
Opportunity index: Okaloosa, FL
Okaloosa, FL index 39.6, Okaloosa, FL phase strong_buy; Okaloosa, FL primary driver vacancy, Okaloosa, FL second driver bank institutional. Okaloosa, FL components: property stress 41.6, foreclosure pressure 41.4, listing discounts 46.7, bank stress 56.0, insurance 0.0; Okaloosa, FL pulse 42.1; Okaloosa, FL capital opportunity 35.9.
ZIP market phases inside Okaloosa, FL
14 Okaloosa, FL ZIPs carry a price-cycle phase; Okaloosa, FL ZIPs by phase (Okaloosa, FL), deepest drawdown first: peak, +2.6% YoY, 0.2% off peak (Okaloosa, FL): 32564; neutral, +4.4% YoY, 0.0% off peak (Okaloosa, FL): 32531; neutral, +4.9% YoY (Okaloosa, FL): 32536, 32539, 32541, 32542, Okaloosa, FL 32544, 32547, 32548, 32567, Okaloosa, FL 32569, 32578, 32579, 32580.
Residential listings by Okaloosa, FL ZIP
Okaloosa, FL ZIPs with the most tracked Okaloosa, FL residential listings: 32548 945 listings, 563 candidates, bank pressure 61; 32547 713 listings, 477 candidates, bank pressure 61; 32539 712 listings, 546 candidates, bank pressure 61; 32567 362 listings, 314 candidates, bank pressure 61 (Okaloosa, FL); 32569 337 listings, 223 candidates, bank pressure 61; 32531 323 listings, 281 candidates, bank pressure 59; 32536 315 listings, 226 candidates, bank pressure 61; 32579 279 listings, 217 candidates, bank pressure 61. Okaloosa, FL totals: 4,112 listings; Okaloosa, FL candidates 2,899; active ZIPs 0.
HUD assisted housing in Okaloosa, FL
8 assisted properties with 1,078 units sit in Okaloosa, FL; largest Okaloosa, FL properties: Bel Aire Terrace (Crestview) 323 units; Spring Creek Apartments (Crestview) 254 units; Sound Side Apartments (Fort Walton Beach) 200 units in Okaloosa, FL; Westwood Apartments (Mary Esther) 120 units; Westminster Manor (Fort Walton Beach) 95 units, 95 assisted; White Sands Manor Ii (Fort Walton Beach) 53 units, 53 assisted.
Lenders with branches in Okaloosa, FL
Okaloosa, FL lenders by branch count: Fnbt Bank (Okaloosa, FL): stress 56, 7 branches low in Okaloosa, FL; Pnb Community Bank (Okaloosa, FL): stress 69, 1 branch low in Okaloosa, FL.
Vacancy and permits, Okaloosa, FL
18,453 of 103,864 Okaloosa, FL housing units are vacant; Okaloosa, FL permits, twelve months: 26 multifamily units in Okaloosa, FL, 1,336 one-to-four unit units.
Work Okaloosa, FL at the parcel level
Every Okaloosa, FL parcel carries owner and address; every Okaloosa, FL parcel carries APN; Okaloosa, FL distress scores sit on the Okaloosa, FL live board; Okaloosa, FL lead lists by signal.
Okaloosa, FL figures refresh with each source.
Okaloosa, FL questions
Most distressed ZIP code in Okaloosa County, FL?
ZIP 32536 leads Okaloosa, FL at 39/100; next in Okaloosa, FL: 32541 at 39/100; the Okaloosa, FL average is 38/100.
Where does Okaloosa County, FL rank for investment opportunity?
Okaloosa, FL is #26 among all ranked counties, #6 in Florida; the Okaloosa, FL driver is vacancy; Okaloosa, FL moved up 101 places.
How many mortgages are delinquent in Okaloosa County, FL?
1.1% of Okaloosa, FL mortgages were ninety-plus days late in December 2025; the Okaloosa, FL peak since 2008 was 4.9%.
Which banks lend in Okaloosa County, FL?
2 watched lenders hold Okaloosa, FL branches; the largest Okaloosa, FL footprints are Fnbt Bank (7), Pnb Community Bank (1).
More on Okaloosa, FL
Okaloosa County, FL distress report: public-record figures for Okaloosa, FL; not legal advice for Okaloosa, FL; not tax or investment advice; verify every Okaloosa, FL record before acting.