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

Holmes County, FL, Florida: 4 ZIP codes scored, Holmes County, FL averaging 27/100 (low, Holmes, FL), from 21 to 31. Holmes County, FL is in its peak phase (Holmes, FL confidence 23/100): Holmes, FL home prices up 3.8% (Holmes, FL) over twelve months. Holmes County, FL lender headwind: 84/100.

Highest-scoring Holmes County, FL ZIPs: 32455 (31/100), 32440 (29/100), 32464 (25/100), 32425 (21/100).

Across Holmes County, FL's scored ZIPs: median home value $111,250, household income $48,857, 16.9% vacancy, 18.5% poverty, 78% owner-occupied, median age 42.6.

Holmes County, FL insurance distress 50/100 (#1,086 in the US); FEMA hazard 98/100 for Holmes, FL; 15 federal disaster declarations in Holmes County, FL since 2023 (3 hurricane); Holmes, FL construction distress 47/100.

2 banks with 2 branches lend in Holmes County, FL; Holmes, FL weighted bank stress 68/100, highest 71/100 in Holmes, FL.

Holmes County, FL unemployment 4.8% (Holmes, FL -0.5 pts, six months); 14 new housing units permitted in Holmes County, FL over twelve months, Holmes, FL up 17% from 12; Holmes, FL home prices +13.2% a year (Holmes, FL) over three years.

8,659 housing units in Holmes County, FL; 1,649 Holmes, FL renter households; 27% of Holmes, FL renters spend 30%+ of income on rent, 12% (Holmes, FL) half or more.

Holmes County, FL ranks #47 nationally on the opportunity index (Holmes, FL, among all ranked counties); Holmes, FL scores 38.7/100 and Holmes, FL sits #8 inside Florida. Holmes, FL is in the strong_buy opportunity phase; Holmes, FL's primary driver is vacancy, Holmes, FL second driver bank institutional; Holmes, FL moved up 203 places. 3 short-sale listings across Holmes, FL; 76 days on market observed in Holmes, FL; 17.7% vacancy over 4 Holmes, FL ZIPs.

No CFPB county sample covers Holmes County, FL. The non-metro area reading for Holmes, FL: 1.2% ninety-plus days late; Holmes, FL's thirty-to-eighty-nine share is 3.4% (Holmes, FL, December 2025 data); Florida overall 1.2%.

Holmes County, FL has 1 watched bank; 1 Holmes, FL bank sits in an elevated band. Holmes, FL footprints: First Federal Bank (1 branch, stress 65) in Holmes, FL.

1,648 of the 8,659 housing units in Holmes, FL sit vacant. Holmes County, FL permitted 0 multifamily units in twelve months; Holmes, FL's one-to-four unit structures added 14 units in Holmes County, FL.