Sumter County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sumter County, FL distress report, 2026: 12 ZIPs scored in Sumter, FL, Sumter, FL average 34/100; the top Sumter, FL ZIP is 34731 at 37/100; Sumter, FL market phase recovery, Sumter, FL prices +1.6% year over year.
- Sumter, FL ranks #195 nationally (opportunity index); Sumter, FL #25 in Florida; Sumter, FL index 35.9.
- Sumter, FL ninety-day mortgage delinquency 0.6% in December 2025; Sumter, FL twelve-month change +0.3%.
- Sumter, FL ZIP phases: 10 recovery, 2 peak.
- Sumter, FL residential listings tracked: 69 across 10 ZIPs; Sumter, FL candidate listings 42.
- Sumter, FL HUD assisted properties: 1 with 300 units.
- Sumter, FL lenders on watch: 3; largest Sumter, FL footprint Seacoast National Bank (12 branches).
- Sumter, FL most distressed ZIP: 34731 at 37/100.
Sumter, FL figures: DLRadar distress index; Sumter, FL inputs: CFPB, FHFA, HUD, FDIC; Sumter, FL rebuilt as sources refresh.
| Rank | Sumter, FL ZIP | Score |
|---|---|---|
| 1 | 34731 | 37/100 |
| 2 | 32159 | 36/100 |
| 3 | 33597 | 35/100 |
| 4 | 32162 | 34/100 |
| 5 | 32163 | 34/100 |
| 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 Sumter, FL ZIPs (0-100, 2026)
Mortgage delinquency in Sumter, FL
0.6% of Sumter, FL mortgages were ninety-plus days late (Sumter, FL, December 2025); Sumter, FL thirty-to-eighty-nine days late: 0.8%; Sumter, FL twelve-month change +0.3%; Sumter, FL peak since 2008: 2.6% (December 2010); Florida overall 1.2%. Sumter, FL ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.3 (Sumter, FL), Mar 25 0.3, Apr 25 0.3, May 25 0.4 (Sumter, FL), Jun 25 0.5, Jul 25 0.5, Aug 25 0.4 (Sumter, FL), Sep 25 0.5, Oct 25 0.7, Nov 25 0.8 (Sumter, FL), Dec 25 0.6.
Opportunity index: Sumter, FL
Sumter, FL index 35.9, Sumter, FL phase peak_opportunity; Sumter, FL primary driver vacancy, Sumter, FL second driver bank institutional. Sumter, FL components: property stress 32.7, foreclosure pressure 34.6, listing discounts 35.8, bank stress 55.1, insurance 0.0; Sumter, FL pulse 39.9; Sumter, FL capital opportunity 29.9; Sumter, FL seven-day change +0.7%.
ZIP market phases inside Sumter, FL
12 Sumter, FL ZIPs carry a price-cycle phase; Sumter, FL ZIPs by phase (Sumter, FL), deepest drawdown first: recovery, +1.6% YoY, 2.1% off peak (Sumter, FL): 33513, 33514, 33521, 33538, Sumter, FL 33585, 34484, 34785; recovery, +1.5% YoY, 2.0% off peak (Sumter, FL): 32163; recovery, +1.6% YoY, 2.0% off peak (Sumter, FL): 32162; recovery, +1.2% YoY, 1.3% off peak (Sumter, FL): 33597; peak, +0.5% YoY, 0.9% off peak (Sumter, FL): 32159; peak, +0.3% YoY, 0.7% off peak (Sumter, FL): 34731.
Residential listings by Sumter, FL ZIP
Sumter, FL ZIPs with the most tracked Sumter, FL residential listings: 32162 29 listings, 16 candidates, bank pressure 61; 33597 14 listings, 11 candidates, bank pressure 60; 34785 11 listings, 5 candidates, bank pressure 62; 33538 7 listings, 5 candidates, bank pressure 62 (Sumter, FL); 33513 4 listings, 2 candidates, bank pressure 62; 32163 3 listings, 2 candidates, bank pressure 65; 34484 1 listings, 1 candidates, bank pressure 62; 33514 0 listings, 0 candidates, bank pressure 62. Sumter, FL totals: 69 listings; Sumter, FL candidates 42; active ZIPs 0.
HUD assisted housing in Sumter, FL
1 assisted properties with 300 units sit in Sumter, FL; largest Sumter, FL properties: Peppertree Apartments (Wildwood) 300 units.
Lenders with branches in Sumter, FL
Sumter, FL lenders by branch count: Seacoast National Bank (Sumter, FL): stress 58, 12 branches low in Sumter, FL; United Southern Bank (Sumter, FL): stress 74, 2 branches low in Sumter, FL; Southstate Bank Na (Sumter, FL): stress 48, 1 branch low in Sumter, FL.
Vacancy and permits, Sumter, FL
13,750 of 84,068 Sumter, FL housing units are vacant; Sumter, FL permits, twelve months: 174 multifamily units in Sumter, FL, 3,543 one-to-four unit units.
Work Sumter, FL at the parcel level
Every Sumter, FL parcel carries owner and address; every Sumter, FL parcel carries APN; Sumter, FL distress scores sit on the Sumter, FL live board; Sumter, FL lead lists by signal.
Sumter, FL figures refresh with each source.
Sumter, FL questions
Most distressed ZIP code in Sumter County, FL?
ZIP 34731 leads Sumter, FL at 37/100; next in Sumter, FL: 32159 at 36/100; the Sumter, FL average is 34/100.
Where does Sumter County, FL rank for investment opportunity?
Sumter, FL is #195 among all ranked counties, #25 in Florida; the Sumter, FL driver is vacancy; Sumter, FL moved up 155 places.
How many mortgages are delinquent in Sumter County, FL?
0.6% of Sumter, FL mortgages were ninety-plus days late in December 2025; the Sumter, FL peak since 2008 was 2.6%.
Which banks lend in Sumter County, FL?
3 watched lenders hold Sumter, FL branches; the largest Sumter, FL footprints are Seacoast National Bank (12), United Southern Bank (2), Southstate Bank Na (1).
More on Sumter, FL
Sumter County, FL distress report: public-record figures for Sumter, FL; not legal advice for Sumter, FL; not tax or investment advice; verify every Sumter, FL record before acting.