Sumter County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Sumter County, Florida? DLRadar grades every Sumter County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Sumter County breakdown.
- Sumter County's most distressed ZIP is 34731 at 36/100.
- 12 ZIP codes tracked in Sumter County, averaging 34/100 distress.
- Sumter County reads recovery — home values up 1.6% year over year, 2.1% off peak.
- Vacancy runs 17.3% across Sumter County's tracked ZIPs, with a 13% poverty rate.
- The typical Sumter County home is worth about $296,125 against a ~$69,421 median income.
- Lending headwind in Sumter County sits at 0/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 34731 | 36/100 |
| 2 | 32159 | 35/100 |
| 3 | 33597 | 34/100 |
| 4 | 32162 | 33/100 |
| 5 | 32163 | 33/100 |
| 6 | 33513 | 33/100 |
| 7 | 33514 | 33/100 |
| 8 | 33521 | 33/100 |
| 9 | 33538 | 33/100 |
| 10 | 33585 | 33/100 |
| 11 | 34484 | 33/100 |
| 12 | 34785 | 33/100 |
Most distressed ZIP codes in Sumter County (composite distress 0-100, 2026)
What is driving Sumter County distress
The Sumter County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 34/100 ZIP average. No proprietary or modelled inputs enter the score.
Sumter County market phase and pricing
Sumter County currently sits in recovery after a 1.6% gain in the past twelve months, 2.1% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked
What is the most distressed ZIP code in Sumter County, FL?
ZIP 34731 leads Sumter County at 36/100, recomputed monthly from public records.
What market phase is Sumter County in?
Sumter County currently sits in recovery, with values up 1.6% year on year, based on FHFA price-index trajectory.
How is the Sumter County data sourced?
The inputs are all public: FHFA for the recovery path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Sumter County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Sumter County ZIP codes?
Averaging the county conceals how uneven it is. Across the Sumter County ZIPs DLRadar ranks, scores run from 36/100 in 34731 down to 33/100 in 34785, against a Sumter County average of 34/100. Because the gap runs to 3 points, Sumter County rewards ZIP-level precision.
What do Sumter County home values and vacancy say about distressed supply?
The typical Sumter County home carries about $296,125 of value against a median household income near $69,421. Vacancy across Sumter County's tracked ZIPs runs 17.3% and the poverty rate is 13%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Sumter County's filings and its 0/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.