Pasco County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pasco County, FL distress report, 2026: 32 ZIPs scored in Pasco, FL, Pasco, FL average 36/100; the top Pasco, FL ZIP is 33809 at 39/100; Pasco, FL market phase peak, Pasco, FL prices +0.6% year over year.
- Pasco, FL ranks #419 nationally (opportunity index); Pasco, FL #48 in Florida; Pasco, FL index 33.8.
- Pasco, FL ninety-day mortgage delinquency 1.2% in December 2025; Pasco, FL twelve-month change +0.6%.
- Pasco, FL ZIP phases: 29 peak, 3 recovery.
- Pasco, FL residential listings tracked: 801 across 24 ZIPs; Pasco, FL candidate listings 166.
- Pasco, FL HUD assisted properties: 15 with 904 units.
- Pasco, FL lenders on watch: 5; largest Pasco, FL footprint First National Bank Of Pasco (4 branches).
- Pasco, FL most distressed ZIP: 33809 at 39/100.
Pasco, FL figures: DLRadar distress index; Pasco, FL inputs: CFPB, FHFA, HUD, FDIC; Pasco, FL rebuilt as sources refresh.
| Rank | Pasco, FL ZIP | Score |
|---|---|---|
| 1 | 33809 | 39/100 |
| 2 | 33849 | 39/100 |
| 3 | 33548 | 38/100 |
| 4 | 33549 | 38/100 |
| 5 | 33556 | 37/100 |
| 6 | 33558 | 37/100 |
| 7 | 33559 | 37/100 |
| 8 | 33523 | 35/100 |
| 9 | 33525 | 35/100 |
| 10 | 33540 | 35/100 |
| 11 | 33541 | 35/100 |
| 12 | 33542 | 35/100 |
Most distressed Pasco, FL ZIPs (0-100, 2026)
Mortgage delinquency in Pasco, FL
1.2% of Pasco, FL mortgages were ninety-plus days late (Pasco, FL, December 2025); Pasco, FL thirty-to-eighty-nine days late: 2.5%; Pasco, FL twelve-month change +0.6%; Pasco, FL peak since 2008: 9.1% (June 2012); Florida overall 1.2%. Pasco, FL ninety-day series: Dec 24 0.6, Jan 25 0.7, Feb 25 0.9 (Pasco, FL), Mar 25 0.8, Apr 25 0.9, May 25 0.9 (Pasco, FL), Jun 25 1.0, Jul 25 1.2, Aug 25 1.3 (Pasco, FL), Sep 25 1.2, Oct 25 1.1, Nov 25 1.1 (Pasco, FL), Dec 25 1.2.
Opportunity index: Pasco, FL
Pasco, FL index 33.8, Pasco, FL phase peak_opportunity; Pasco, FL primary driver vacancy, Pasco, FL second driver bank institutional. Pasco, FL components: property stress 24.9, foreclosure pressure 26.6, listing discounts 41.7, bank stress 58.6, insurance 0.0; Pasco, FL pulse 35.9; Pasco, FL capital opportunity 30.6.
ZIP market phases inside Pasco, FL
32 Pasco, FL ZIPs carry a price-cycle phase; Pasco, FL ZIPs by phase (Pasco, FL), deepest drawdown first: recovery, +1.9% YoY, 2.2% off peak (Pasco, FL): 33809; recovery, +1.9% YoY, 2.1% off peak (Pasco, FL): 33849; recovery, +1.2% YoY, 1.3% off peak (Pasco, FL): 33597; peak, +0.6% YoY, 0.3% off peak (Pasco, FL): 33523, 33525, 33540, 33541, Pasco, FL 33542, 33543, 33544, 33545, Pasco, FL 33548, 33549, 33556, 33558, Pasco, FL 33559.
Residential listings by Pasco, FL ZIP
Pasco, FL ZIPs with the most tracked Pasco, FL residential listings: 34668 78 listings, 8 candidates, bank pressure 60; 33543 68 listings, 27 candidates, bank pressure 60; 33541 66 listings, 9 candidates, bank pressure 60; 33545 65 listings, 18 candidates, bank pressure 60 (Pasco, FL); 34667 64 listings, 12 candidates, bank pressure 60; 34637 47 listings, 1 candidates, bank pressure 60; 34638 43 listings, 8 candidates, bank pressure 60; 34691 40 listings, 7 candidates, bank pressure 60. Pasco, FL totals: 801 listings; Pasco, FL candidates 166; active ZIPs 2.
HUD assisted housing in Pasco, FL
15 assisted properties with 904 units sit in Pasco, FL; largest Pasco, FL properties: Lakes At Collier Commons (Land O Lakes) 252 units; Windsor Club At Seven Oaks (Wesley Chapel) 240 units; Arbours At Hester Lake (Dade City) 80 units in Pasco, FL; Greencastle Of Bayonet Point (Port Richey) 80 units, 80 assisted; Hilltop Landings (Dade City) 69 units, 69 assisted; Bethlehem Housing (Hudson) 60 units, 60 assisted.
Lenders with branches in Pasco, FL
Pasco, FL lenders by branch count: First National Bank Of Pasco (Pasco, FL): stress 93, 4 branches low in Pasco, FL; Southstate Bank Na (Pasco, FL): stress 48, 3 branches low in Pasco, FL; Bankflorida (Pasco, FL): stress 59, 2 branches low in Pasco, FL; Citizens Bank&Trust (Pasco, FL): stress 73, 1 branch low in Pasco, FL; Flagship Bank (Pasco, FL): stress 64, 1 branch low in Pasco, FL.
Vacancy and permits, Pasco, FL
35,681 of 271,844 Pasco, FL housing units are vacant; Pasco, FL permits, twelve months: 2,130 multifamily units in Pasco, FL, 6,431 one-to-four unit units.
Work Pasco, FL at the parcel level
Every Pasco, FL parcel carries owner and address; every Pasco, FL parcel carries APN; Pasco, FL distress scores sit on the Pasco, FL live board; Pasco, FL lead lists by signal.
Pasco, FL figures refresh with each source.
Pasco, FL questions
Most distressed ZIP code in Pasco County, FL?
ZIP 33809 leads Pasco, FL at 39/100; next in Pasco, FL: 33849 at 39/100; the Pasco, FL average is 36/100.
Where does Pasco County, FL rank for investment opportunity?
Pasco, FL is #419 among all ranked counties, #48 in Florida; the Pasco, FL driver is vacancy; Pasco, FL moved up 473 places.
How many mortgages are delinquent in Pasco County, FL?
1.2% of Pasco, FL mortgages were ninety-plus days late in December 2025; the Pasco, FL peak since 2008 was 9.1%.
Which banks lend in Pasco County, FL?
5 watched lenders hold Pasco, FL branches; the largest Pasco, FL footprints are First National Bank Of Pasco (4), Southstate Bank Na (3), Bankflorida (2).
More on Pasco, FL
Pasco County, FL distress report: public-record figures for Pasco, FL; not legal advice for Pasco, FL; not tax or investment advice; verify every Pasco, FL record before acting.