Santa Rosa County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Santa Rosa County, Florida? DLRadar grades every Santa Rosa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Santa Rosa County breakdown.
- Santa Rosa County's most distressed ZIP is 32531 at 36/100.
- 10 ZIP codes tracked in Santa Rosa County, averaging 35/100 distress.
- Santa Rosa County reads peak — home values up 1.7% year over year, 2.0% off peak.
- Vacancy runs 11.1% across Santa Rosa County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Santa Rosa County home is worth about $302,900 against a ~$89,655 median income.
- Lending headwind in Santa Rosa County sits at 4/100 — 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 | 32531 | 36/100 |
| 2 | 32530 | 35/100 |
| 3 | 32561 | 35/100 |
| 4 | 32563 | 35/100 |
| 5 | 32565 | 35/100 |
| 6 | 32566 | 35/100 |
| 7 | 32570 | 35/100 |
| 8 | 32571 | 35/100 |
| 9 | 32583 | 35/100 |
| 10 | 32564 | 34/100 |
Most distressed ZIP codes in Santa Rosa County (composite distress 0-100, 2026)
What is driving Santa Rosa County distress
Santa Rosa County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 35/100 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.
Santa Rosa County market phase and pricing
Santa Rosa County reads peak — home prices rose 1.7% over the last year and are 2.0% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Santa Rosa County
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Frequently asked questions
What is the most distressed ZIP code in Santa Rosa County, FL?
ZIP 32531 leads Santa Rosa County at 36/100, recomputed monthly from public records.
What market phase is Santa Rosa County in?
Santa Rosa County reads peak, with home prices up 1.7% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Santa Rosa 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.