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 34/100. Here is the 2026 Santa Rosa County breakdown.
- Santa Rosa County's most distressed ZIP is 32530 at 34/100.
- 10 ZIP codes tracked in Santa Rosa County, averaging 34/100 distress.
- Santa Rosa County reads peak — home values up 0.2% year over year.
- 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 25/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32530 | 34/100 |
| 2 | 32531 | 34/100 |
| 3 | 32563 | 34/100 |
| 4 | 32565 | 34/100 |
| 5 | 32566 | 34/100 |
| 6 | 32570 | 34/100 |
| 7 | 32571 | 34/100 |
| 8 | 32583 | 34/100 |
| 9 | 32561 | 33/100 |
| 10 | 32564 | 33/100 |
Most distressed ZIP codes in Santa Rosa County (composite distress 0-100, 2026)
What is driving Santa Rosa County distress
DLRadar builds Santa Rosa County's distress picture only from records anyone can pull; its ZIPs average 34/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Santa Rosa County market phase and pricing
Santa Rosa County currently sits in peak after a 0.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Santa Rosa County
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Common questions
What is the most distressed ZIP code in Santa Rosa County, FL?
ZIP 32530 leads Santa Rosa County at 34/100, recomputed monthly from public records.
Which phase does Santa Rosa County sit in right now?
Santa Rosa County reads peak, with home prices up 0.2% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Santa Rosa County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 10 Santa Rosa County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Santa Rosa County ZIP codes?
A single county score papers over real variation. Across the Santa Rosa County ZIPs DLRadar ranks, scores run from 34/100 in 32530 down to 33/100 in 32564, against a Santa Rosa County average of 34/100. That 1-point gap is why acquisition targeting in Santa Rosa County works at ZIP level rather than county level.
What do Santa Rosa County home values and vacancy say about distressed supply?
The typical Santa Rosa County home carries about $302,900 of value against a median household income near $89,655. Vacancy across Santa Rosa County's tracked ZIPs runs 11.1% and the poverty rate is 7.7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Santa Rosa County's filings and its 25/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.