Monroe County, FL: Foreclosures, Tax Liens & Distressed Properties
Monroe County, FL, Florida: 11 ZIP codes scored, Monroe County, FL averaging 35/100 (moderate, Monroe, FL), from 35 to 37. Monroe County, FL is in its peak phase (Monroe, FL confidence 6/100): Monroe, FL home prices up 0.6% (Monroe, FL) over twelve months. Monroe County, FL lender headwind: 33/100.
Highest-scoring Monroe County, FL ZIPs: 33034 (37/100), 34141 (37/100), 33001 (35/100), 33036 (35/100), 33037 (35/100), 33040 (35/100). Also scored in Monroe County, FL: 33042, 33043, 33050, 33051, 33070.
Across Monroe County, FL's scored ZIPs: median home value $745,660, household income $75,162, 39.8% vacancy, 12.0% poverty, 65% owner-occupied, median age 49.8.
Monroe County, FL insurance distress 93/100 (#61 in the US); FEMA hazard 99/100 for Monroe, FL; 18 federal disaster declarations in Monroe County, FL since 2023 (9 hurricane); 45 Monroe, FL NFIP flood claims, $650K paid; Monroe, FL construction distress 51/100.
9 banks with 35 branches lend in Monroe County, FL; Monroe, FL weighted bank stress 59/100, highest 84/100 in Monroe, FL.
Monroe County, FL unemployment 3.3% (Monroe, FL -0.2 pts, six months); 296 new housing units permitted in Monroe County, FL over twelve months, Monroe, FL down 1% from 298; Monroe, FL home prices +11.5% a year (Monroe, FL) over three years.
54,834 housing units in Monroe County, FL; 12,678 Monroe, FL renter households; 57% of Monroe, FL renters spend 30%+ of income on rent, 31% (Monroe, FL) half or more.
Monroe County, FL ranks #116 nationally on the opportunity index (Monroe, FL, among all ranked counties); Monroe, FL scores 37.0/100 and Monroe, FL sits #18 inside Florida. Monroe, FL is in the strong_buy opportunity phase; Monroe, FL's primary driver is vacancy, Monroe, FL second driver bank institutional; Monroe, FL moved down 15 places. 68 short-sale listings across Monroe, FL; 131 days on market observed in Monroe, FL; 30.5% vacancy over 11 Monroe, FL ZIPs.
No CFPB county sample covers Monroe County, FL. The non-metro area reading for Monroe, FL: 1.2% ninety-plus days late; Monroe, FL's thirty-to-eighty-nine share is 3.4% (Monroe, FL, December 2025 data); Florida overall 1.2%.
Monroe County, FL has 3 watched banks; 3 Monroe, FL banks sit in an elevated band. Monroe, FL footprints: First State Bank (8 branches, stress 84) in Monroe, FL; Gulf Atlantic Bank (1 branch, stress 81) in Monroe, FL; Southstate Bank Na (1 branch, stress 48) in Monroe, FL.
HUD lists 4 assisted multifamily properties in Monroe County, FL with 129 units; 19 Monroe, FL units are assisted.
20,429 of the 54,834 housing units in Monroe, FL sit vacant. Monroe County, FL permitted 79 multifamily units in twelve months; Monroe, FL's one-to-four unit structures added 217 units in Monroe County, FL.