Washington County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Washington County, Florida? DLRadar grades every Washington County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Washington County breakdown.
- Washington County's most distressed ZIP is 32438 at 34/100.
- 10 ZIP codes tracked in Washington County, averaging 27/100 distress.
- Washington County reads neutral — home values up 3.8% year over year, 0.5% off peak.
- Vacancy runs 14.2% across Washington County's tracked ZIPs, with a 20.7% poverty rate.
- The typical Washington County home is worth about $141,290 against a ~$50,002 median income.
- Lending headwind in Washington County sits at 56/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 24/100 |
| 8 | 32427 | 23/100 |
| 9 | 32463 | 23/100 |
| 10 | 32425 | 22/100 |
Most distressed ZIP codes in Washington County (composite distress 0-100, 2026)
What is driving Washington County distress
Washington County's placement in the national index rests on public filings — a 27/100 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.
Washington County market phase and pricing
The cycle in Washington County is neutral, with values up 3.8% year over year and 0.5% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Washington County
Keep reading the Washington County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
No card charged today · explore every module with live data.
Questions about this county
Which ZIP code leads Washington County on distress?
ZIP 32438 leads Washington County at 34/100, recomputed monthly from public records.
Which phase does Washington County sit in right now?
The market phase for Washington County is neutral, prices rising 3.8% on the year — derived from the FHFA House Price Index path.
What is this Washington County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Washington County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Washington County ZIP codes?
A county average hides the spread. Across the Washington County ZIPs DLRadar ranks, scores run from 34/100 in 32438 down to 22/100 in 32425, against a Washington County average of 27/100. That 12-point gap is why acquisition targeting in Washington County works at ZIP level rather than county level.
What do Washington County home values and vacancy say about distressed supply?
The typical Washington County home carries about $141,290 of value against a median household income near $50,002. Vacancy across Washington County's tracked ZIPs runs 14.2% and the poverty rate is 20.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Washington County's foreclosure and lien data and its 56/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.