Madison County, FL: Foreclosures, Tax Liens & Distressed Properties
Madison County, FL, Florida: 5 ZIP codes scored, Madison County, FL averaging 26/100 (low, Madison, FL), from 22 to 27. Madison County, FL is in its peak phase (Madison, FL confidence 23/100): Madison, FL home prices up 3.8% (Madison, FL) over twelve months. Madison County, FL lender headwind: 62/100.
Highest-scoring Madison County, FL ZIPs: 32059 (27/100), 32340 (27/100), 32350 (27/100), 32331 (25/100), 32336 (22/100).
Across Madison County, FL's scored ZIPs: median home value $117,360, household income $46,924, 20.9% vacancy, 19.9% poverty, 80% owner-occupied, median age 46.9.
Madison County, FL insurance distress 89/100 (#125 in the US); FEMA hazard 100/100 for Madison, FL; 24 federal disaster declarations in Madison County, FL since 2023 (9 hurricane); 3 Madison, FL NFIP flood claims, $89K paid; Madison, FL construction distress 43/100.
3 banks with 3 branches lend in Madison County, FL; Madison, FL weighted bank stress 69/100, highest 85/100 in Madison, FL.
Madison County, FL unemployment 5.2% (Madison, FL -0.8 pts, six months); 42 new housing units permitted in Madison County, FL over twelve months, Madison, FL up 2% from 41; Madison, FL home prices +12.5% a year (Madison, FL) over three years.
8,418 housing units in Madison County, FL; 1,954 Madison, FL renter households; 38% of Madison, FL renters spend 30%+ of income on rent, 15% (Madison, FL) half or more.
Madison County, FL ranks #51 nationally on the opportunity index (Madison, FL, among all ranked counties); Madison, FL scores 38.6/100 and Madison, FL sits #9 inside Florida. Madison, FL is in the strong_buy opportunity phase; Madison, FL's primary driver is vacancy, Madison, FL second driver bank institutional; Madison, FL moved up 248 places. 4 short-sale listings across Madison, FL; 104 days on market observed in Madison, FL; 17.3% vacancy over 5 Madison, FL ZIPs.
No CFPB county sample covers Madison County, FL. The non-metro area reading for Madison, FL: 1.2% ninety-plus days late; Madison, FL's thirty-to-eighty-nine share is 3.4% (Madison, FL, December 2025 data); Florida overall 1.2%.
Madison County, FL has 2 watched banks; 2 Madison, FL banks sit in an elevated band. Madison, FL footprints: Madison Cnty Cmty Bank (1 branch, stress 85) in Madison, FL; Capital City Bank (1 branch, stress 54) in Madison, FL.
HUD lists 2 assisted multifamily properties in Madison County, FL with 147 units; 76 Madison, FL units are assisted, 1 Madison, FL properties under project-based Section 8.
1,442 of the 8,418 housing units in Madison, FL sit vacant. Madison County, FL permitted 0 multifamily units in twelve months; Madison, FL's one-to-four unit structures added 42 units in Madison County, FL.