St Lucie County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St Lucie County, Florida? DLRadar grades every St Lucie County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 St Lucie County breakdown.
- St Lucie County's most distressed ZIP is 34945 at 37/100.
- 17 ZIP codes tracked in St Lucie County, averaging 36/100 distress.
- St Lucie County reads contraction — home values down 0.7% year over year, 0.8% off peak.
- Vacancy runs 15.1% across St Lucie County's tracked ZIPs, with a 14.1% poverty rate.
- The typical St Lucie County home is worth about $341,535 against a ~$72,352 median income.
- Lending headwind in St Lucie County sits at 49/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 34945 | 37/100 |
| 2 | 34946 | 37/100 |
| 3 | 34947 | 37/100 |
| 4 | 34949 | 37/100 |
| 5 | 34950 | 37/100 |
| 6 | 34951 | 37/100 |
| 7 | 34952 | 37/100 |
| 8 | 34953 | 37/100 |
| 9 | 34981 | 37/100 |
| 10 | 34982 | 37/100 |
| 11 | 34983 | 37/100 |
| 12 | 34984 | 37/100 |
Most distressed ZIP codes in St Lucie County (composite distress 0-100, 2026)
What is driving St Lucie County distress
St Lucie County's placement in the national index rests on public filings — a 36/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
St Lucie County market phase and pricing
St Lucie County currently sits in contraction after a 0.7% decline in the past twelve months, 0.8% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked questions
Which part of St Lucie County, FL scores highest for distress?
ZIP 34945 leads St Lucie County at 37/100, recomputed monthly from public records.
Is St Lucie County expanding or contracting?
St Lucie County currently sits in contraction, with values down 0.7% year on year, based on FHFA price-index trajectory.
What are the sources behind these St Lucie County numbers?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 17 ZIP codes in St Lucie County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between St Lucie County ZIP codes?
A single county score papers over real variation. Across the St Lucie County ZIPs DLRadar ranks, scores run from 37/100 in 34945 down to 37/100 in 34984, against a St Lucie County average of 36/100. That 0-point gap is why acquisition targeting in St Lucie County works at ZIP level rather than county level.
What do St Lucie County home values and vacancy say about distressed supply?
The typical St Lucie County home carries about $341,535 of value against a median household income near $72,352. Vacancy across St Lucie County's tracked ZIPs runs 15.1% and the poverty rate is 14.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against St Lucie County's foreclosure and tax-lien filings and its 49/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.