Washington County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Washington County, FL distress report, 2026: 10 ZIPs scored in Washington, FL, Washington, FL average 27/100; the top Washington, FL ZIP is 32438 at 34/100; Washington, FL market phase neutral, Washington, FL prices +3.8% year over year.
- Washington, FL ranks #568 nationally (opportunity index); Washington, FL #54 in Florida; Washington, FL index 33.1.
- Washington, FL: no CFPB county sample; Washington, FL metro area reading 1.1%.
- Washington, FL ZIP phases: 7 neutral, 3 peak.
- Washington, FL residential listings tracked: 8 across 5 ZIPs; Washington, FL candidate listings 3.
- Washington, FL HUD assisted properties: 1 with 15 units.
- Washington, FL lenders on watch: 3; largest Washington, FL footprint One Florida Bank (1 branch).
- Washington, FL most distressed ZIP: 32438 at 34/100.
Washington, FL figures: DLRadar distress index; Washington, FL inputs: CFPB, FHFA, HUD, FDIC; Washington, FL rebuilt as sources refresh.
| Rank | Washington, FL ZIP | Score |
|---|---|---|
| 1 | 32438 | 34/100 |
| 2 | 32420 | 32/100 |
| 3 | 32466 | 32/100 |
| 4 | 32431 | 30/100 |
| 5 | 32437 | 27/100 |
| 6 | 32462 | 26/100 |
| 7 | 32428 | 23/100 |
| 8 | 32427 | 22/100 |
| 9 | 32463 | 22/100 |
| 10 | 32425 | 21/100 |
Most distressed Washington, FL ZIPs (0-100, 2026)
Mortgage delinquency around Washington, FL
No CFPB county sample covers Washington, FL; the metro area reading for Washington, FL (Panama City-Panama City Beach, FL): 1.1% ninety-plus; Washington, FL area thirty-to-eighty-nine 1.8% (December 2025, Washington, FL); Florida overall 1.2%.
Opportunity index: Washington, FL
Washington, FL index 33.1, Washington, FL phase peak_opportunity; Washington, FL primary driver vacancy, Washington, FL second driver bank institutional. Washington, FL components: property stress 26.4, foreclosure pressure 27.3, listing discounts 33.1, bank stress 52.6, insurance 0.0; Washington, FL pulse 35.9; Washington, FL capital opportunity 28.0; Washington, FL seven-day change +0.4%.
ZIP market phases inside Washington, FL
10 Washington, FL ZIPs carry a price-cycle phase; Washington, FL ZIPs by phase (Washington, FL), deepest drawdown first: neutral, +3.8% YoY, 0.5% off peak (Washington, FL): 32427, 32437, 32463, 32428; neutral, +4.0% YoY, 0.4% off peak (Washington, FL): 32462; neutral, +3.8% YoY, 0.4% off peak (Washington, FL): 32438, 32466; peak, +3.8% YoY, 0.1% off peak (Washington, FL): 32431, 32425; peak, +3.8% YoY, 0.0% off peak (Washington, FL): 32420.
Residential listings by Washington, FL ZIP
Washington, FL ZIPs with the most tracked Washington, FL residential listings: 32428 7 listings, 3 candidates, bank pressure 62; 32462 1 listings, 0 candidates, bank pressure 60; 32427 0 listings, 0 candidates, bank pressure 64; 32437 0 listings, 0 candidates, bank pressure 61 (Washington, FL); 32463 0 listings, 0 candidates, bank pressure 64. Washington, FL totals: 8 listings; Washington, FL candidates 3; active ZIPs 1.
HUD assisted housing in Washington, FL
1 assisted properties with 15 units sit in Washington, FL; largest Washington, FL properties: Gibb Chipley Village (Chipley) 15 units, 14 assisted.
Lenders with branches in Washington, FL
Washington, FL lenders by branch count: One Florida Bank (Washington, FL): stress 72, 1 branch low in Washington, FL; First Federal Bank (Washington, FL): stress 65, 1 branch low in Washington, FL; Capital City Bank (Washington, FL): stress 54, 1 branch low in Washington, FL.
Vacancy and permits, Washington, FL
1,757 of 11,044 Washington, FL housing units are vacant; Washington, FL permits, twelve months: 0 multifamily units in Washington, FL, 253 one-to-four unit units.
Work Washington, FL at the parcel level
Every Washington, FL parcel carries owner and address; every Washington, FL parcel carries APN; Washington, FL distress scores sit on the Washington, FL live board; Washington, FL lead lists by signal.
Washington, FL figures refresh with each source.
Washington, FL questions
Most distressed ZIP code in Washington County, FL?
ZIP 32438 leads Washington, FL at 34/100; next in Washington, FL: 32420 at 32/100; the Washington, FL average is 27/100.
Where does Washington County, FL rank for investment opportunity?
Washington, FL is #568 among all ranked counties, #54 in Florida; the Washington, FL driver is vacancy; Washington, FL moved up 336 places.
How many mortgages are delinquent in Washington County, FL?
Washington, FL takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Washington, FL.
Which banks lend in Washington County, FL?
3 watched lenders hold Washington, FL branches; the largest Washington, FL footprints are One Florida Bank (1), First Federal Bank (1), Capital City Bank (1).
More on Washington, FL
Washington County, FL distress report: public-record figures for Washington, FL; not legal advice for Washington, FL; not tax or investment advice; verify every Washington, FL record before acting.