Hernando County, FL: Foreclosures, Tax Liens & Distressed Properties

Hernando County, FL, Florida: 12 ZIP codes scored, Hernando County, FL averaging 38/100 (moderate, Hernando, FL), from 35 to 38. Hernando County, FL is in its peak phase (Hernando, FL confidence 6/100): Hernando, FL home prices up 0.6% (Hernando, FL) over twelve months. Hernando County, FL lender headwind: 42/100.

Highest-scoring Hernando County, FL ZIPs: 34601 (38/100), 34602 (38/100), 34604 (38/100), 34606 (38/100), 34607 (38/100), 34608 (38/100). Also scored in Hernando County, FL: 34609, 34613, 34614, 34661, 33523, 33597.

Across Hernando County, FL's scored ZIPs: median home value $264,983, household income $66,107, 14.5% vacancy, 13.8% poverty, 81% owner-occupied, median age 48.1.

Hernando County, FL insurance distress 99/100 (#9 in the US); FEMA hazard 99/100 for Hernando, FL; 18 federal disaster declarations in Hernando County, FL since 2023 (9 hurricane); 1,060 Hernando, FL NFIP flood claims, $81.8M paid; Hernando, FL construction distress 79/100.

10 banks with 28 branches lend in Hernando County, FL; Hernando, FL weighted bank stress 61/100, highest 71/100 in Hernando, FL.

Hernando County, FL unemployment 5.4% (Hernando, FL -0.4 pts, six months); 1,846 new housing units permitted in Hernando County, FL over twelve months, Hernando, FL down 30% from 2,634; Hernando, FL home prices +11.9% a year (Hernando, FL) over three years.

92,535 housing units in Hernando County, FL; 14,639 Hernando, FL renter households; 50% of Hernando, FL renters spend 30%+ of income on rent, 24% (Hernando, FL) half or more.

Hernando County, FL ranks #183 nationally on the opportunity index (Hernando, FL, among all ranked counties); Hernando, FL scores 36.0/100 and Hernando, FL sits #23 inside Florida. Hernando, FL is in the peak_opportunity opportunity phase; Hernando, FL's primary driver is construction, Hernando, FL second driver vacancy; Hernando, FL moved up 207 places. 102 short-sale listings across Hernando, FL; 98 days on market observed in Hernando, FL; 10.7% vacancy over 12 Hernando, FL ZIPs.

1.8% of Hernando County, FL mortgages were ninety-plus days late in December 2025; Hernando, FL's thirty-to-eighty-nine-day share was 3.8% (CFPB county sample). Hernando, FL's ninety-day rate is up 0.9 points on twelve months earlier; the Hernando, FL peak since 2008 was 7.9% in October 2011; Florida overall reads 1.2%.

Hernando County, FL has 2 watched banks; 2 Hernando, FL banks sit in an elevated band. Hernando, FL footprints: Capital City Bank (3 branches, stress 54) in Hernando, FL; Brannen Bank (2 branches, stress 62) in Hernando, FL.

HUD lists 2 assisted multifamily properties in Hernando County, FL with 30 units; 28 Hernando, FL units are assisted.

10,060 of the 92,535 housing units in Hernando, FL sit vacant. Hernando County, FL permitted 8 multifamily units in twelve months; Hernando, FL's one-to-four unit structures added 1,838 units in Hernando County, FL.