Bay County, FL: Foreclosures, Tax Liens & Distressed Properties
Bay County, FL, Florida: 16 ZIP codes scored, Bay County, FL averaging 33/100 (moderate, Bay, FL), from 23 to 36. Bay County, FL is in its neutral phase (Bay, FL confidence 29/100): Bay, FL home prices up 3.8% (Bay, FL) over twelve months. Bay County, FL lender headwind: 32/100.
Highest-scoring Bay County, FL ZIPs: 32401 (36/100), 32403 (36/100), 32404 (36/100), 32405 (36/100), 32407 (36/100), 32408 (36/100). Also scored in Bay County, FL: 32409, 32410, 32413, 32444, 32438, 32456, 32466, 32437, 32462, 32428.
Across Bay County, FL's scored ZIPs: median home value $288,900, household income $68,803, 27.2% vacancy, 14.7% poverty, 69% owner-occupied, median age 43.2.
Bay County, FL insurance distress 89/100 (#110 in the US); FEMA hazard 98/100 for Bay, FL; 15 federal disaster declarations in Bay County, FL since 2023 (3 hurricane); 28 Bay, FL NFIP flood claims, $157K paid; Bay, FL construction distress 61/100.
18 banks with 51 branches lend in Bay County, FL; Bay, FL weighted bank stress 58/100, highest 80/100 in Bay, FL.
Bay County, FL unemployment 4.4% (Bay, FL -0.7 pts, six months); 1,898 new housing units permitted in Bay County, FL over twelve months, Bay, FL down 11% from 2,131; Bay, FL home prices +9.3% a year (Bay, FL) over three years.
108,362 housing units in Bay County, FL; 24,142 Bay, FL renter households; 56% of Bay, FL renters spend 30%+ of income on rent, 21% (Bay, FL) half or more.
Bay County, FL ranks #101 nationally on the opportunity index (Bay, FL, among all ranked counties); Bay, FL scores 37.1/100 and Bay, FL sits #15 inside Florida. Bay, FL is in the strong_buy opportunity phase; Bay, FL's primary driver is vacancy, Bay, FL second driver construction; Bay, FL moved up 79 places. 11 short-sale listings across Bay, FL; 105 days on market observed in Bay, FL; 22.3% vacancy over 16 Bay, FL ZIPs.
1.1% of Bay County, FL mortgages were ninety-plus days late in December 2025; Bay, FL's thirty-to-eighty-nine-day share was 1.5% (CFPB county sample). Bay, FL's ninety-day rate is up 0.1 points on twelve months earlier; the Bay, FL peak since 2008 was 6.2% in May 2012; Florida overall reads 1.2%.
Bay County, FL has 2 watched banks; 2 Bay, FL banks sit in an elevated band. Bay, FL footprints: Capital City Bank (3 branches, stress 54) in Bay, FL; First Federal Bank (1 branch, stress 65) in Bay, FL.
HUD lists 11 assisted multifamily properties in Bay County, FL with 1,079 units; 469 Bay, FL units are assisted, 3 Bay, FL properties under project-based Section 8.
29,584 of the 108,362 housing units in Bay, FL sit vacant. Bay County, FL permitted 248 multifamily units in twelve months; Bay, FL's one-to-four unit structures added 1,650 units in Bay County, FL.