Gulf County, FL: Foreclosures, Tax Liens & Distressed Properties
Gulf County, FL, Florida: 2 ZIP codes scored, Gulf County, FL averaging 31/100 (moderate, Gulf, FL), from 29 to 32. Gulf County, FL is in its peak phase (Gulf, FL confidence 23/100): Gulf, FL home prices up 3.8% (Gulf, FL) over twelve months. Gulf County, FL lender headwind: 0/100.
Highest-scoring Gulf County, FL ZIPs: 32456 (32/100), 32465 (29/100).
Across Gulf County, FL's scored ZIPs: median home value $269,350, household income $66,131, 34.6% vacancy, 11.8% poverty, 80% owner-occupied, median age 48.9.
Gulf County, FL insurance distress 91/100 (#81 in the US); FEMA hazard 98/100 for Gulf, FL; 15 federal disaster declarations in Gulf County, FL since 2023 (3 hurricane); 10 Gulf, FL NFIP flood claims, $265K paid; Gulf, FL construction distress 35/100.
3 banks with 4 branches lend in Gulf County, FL; Gulf, FL weighted bank stress 43/100, highest 71/100 in Gulf, FL.
Gulf County, FL unemployment 4.4% (Gulf, FL -0.7 pts, six months); 360 new housing units permitted in Gulf County, FL over twelve months, Gulf, FL up 24% from 290; Gulf, FL home prices +7.9% a year (Gulf, FL) over three years.
9,362 housing units in Gulf County, FL; 1,145 Gulf, FL renter households; 51% of Gulf, FL renters spend 30%+ of income on rent, 24% (Gulf, FL) half or more.
Gulf County, FL ranks #151 nationally on the opportunity index (Gulf, FL, among all ranked counties); Gulf, FL scores 36.4/100 and Gulf, FL sits #21 inside Florida. Gulf, FL is in the overheated opportunity phase; Gulf, FL's primary driver is vacancy, Gulf, FL second driver bank institutional; Gulf, FL moved down 124 places. 17 days on market observed in Gulf, FL; 33.0% vacancy over 2 Gulf, FL ZIPs.
No CFPB county sample covers Gulf County, FL. The non-metro area reading for Gulf, FL: 1.2% ninety-plus days late; Gulf, FL's thirty-to-eighty-nine share is 3.4% (Gulf, FL, December 2025 data); Florida overall 1.2%.
Gulf County, FL has 1 watched bank; 1 Gulf, FL bank sits in an elevated band. Gulf, FL footprints: Capital City Bank (1 branch, stress 54) in Gulf, FL.
3,418 of the 9,362 housing units in Gulf, FL sit vacant. Gulf County, FL permitted 0 multifamily units in twelve months; Gulf, FL's one-to-four unit structures added 360 units in Gulf County, FL.