Putnam County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Putnam County, Florida? DLRadar grades every Putnam County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 38/100. Here is the 2026 Putnam County breakdown.
- Putnam County's most distressed ZIP is 32145 at 38/100.
- 17 ZIP codes tracked in Putnam County, averaging 29/100 distress.
- Putnam County reads peak — home values up 0.6% year over year.
- Vacancy runs 19.2% across Putnam County's tracked ZIPs, with a 21.6% poverty rate.
- The typical Putnam County home is worth about $182,600 against a ~$58,889 median income.
- Lending headwind in Putnam County sits at 20/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32145 | 38/100 |
| 2 | 32131 | 35/100 |
| 3 | 32134 | 32/100 |
| 4 | 32140 | 29/100 |
| 5 | 32640 | 28/100 |
| 6 | 32666 | 28/100 |
| 7 | 32043 | 27/100 |
| 8 | 32112 | 27/100 |
| 9 | 32139 | 27/100 |
| 10 | 32147 | 27/100 |
| 11 | 32148 | 27/100 |
| 12 | 32157 | 27/100 |
Most distressed ZIP codes in Putnam County (composite distress 0-100, 2026)
What is driving Putnam County distress
Putnam County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 29/100 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.
Putnam County market phase and pricing
DLRadar places Putnam County in peak; prices moved up 0.6% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Putnam County
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Frequently asked
Which ZIP code leads Putnam County on distress?
ZIP 32145 leads Putnam County at 38/100, recomputed monthly from public records.
What market phase is Putnam County in?
Putnam County currently sits in peak, with values up 0.6% year on year, based on FHFA price-index trajectory.
What is this Putnam County analysis built from?
Putnam County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 17 ZIPs are comparable to anywhere else.
How much do distress scores vary between Putnam County ZIP codes?
Averaging the county conceals how uneven it is. Across the Putnam County ZIPs DLRadar ranks, scores run from 38/100 in 32145 down to 27/100 in 32157, against a Putnam County average of 29/100. The 11-point range is the argument for ZIP-level search across Putnam County.
What do Putnam County home values and vacancy say about distressed supply?
The typical Putnam County home carries about $182,600 of value against a median household income near $58,889. Vacancy across Putnam County's tracked ZIPs runs 19.2% and the poverty rate is 21.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Putnam County's foreclosure and lien data and its 20/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.