Okaloosa County, FL: Foreclosures, Tax Liens & Distressed Properties
Okaloosa County, FL, Florida: 14 ZIP codes scored, Okaloosa County, FL averaging 38/100 (moderate, Okaloosa, FL), from 34 to 39. Okaloosa County, FL is in its neutral phase (Okaloosa, FL confidence 38/100): Okaloosa, FL home prices up 4.9% (Okaloosa, FL) over twelve months. Okaloosa County, FL lender headwind: 37/100.
Highest-scoring Okaloosa County, FL ZIPs: 32536 (39/100), 32541 (39/100), 32542 (39/100), 32544 (39/100), 32547 (39/100), 32548 (39/100). Also scored in Okaloosa County, FL: 32569, 32579, 32580, 32539, 32578, 32531, 32567, 32564.
Across Okaloosa County, FL's scored ZIPs: median home value $351,558, household income $80,262, 13.9% vacancy, 8.5% poverty, 61% owner-occupied, median age 36.9.
Okaloosa County, FL insurance distress 92/100 (#65 in the US); FEMA hazard 98/100 for Okaloosa, FL; 15 federal disaster declarations in Okaloosa County, FL since 2023 (3 hurricane); 31 Okaloosa, FL NFIP flood claims, $526K paid; Okaloosa, FL construction distress 29/100.
22 banks with 54 branches lend in Okaloosa County, FL; Okaloosa, FL weighted bank stress 60/100, highest 89/100 in Okaloosa, FL.
Okaloosa County, FL unemployment 4.4% (Okaloosa, FL -0.5 pts, six months); 1,362 new housing units permitted in Okaloosa County, FL over twelve months, Okaloosa, FL up 23% from 1,108; Okaloosa, FL home prices +8.5% a year (Okaloosa, FL) over three years.
103,864 housing units in Okaloosa County, FL; 27,126 Okaloosa, FL renter households; 50% of Okaloosa, FL renters spend 30%+ of income on rent, 20% (Okaloosa, FL) half or more.
Okaloosa County, FL ranks #26 nationally on the opportunity index (Okaloosa, FL, among all ranked counties); Okaloosa, FL scores 39.6/100 and Okaloosa, FL sits #6 inside Florida. Okaloosa, FL is in the strong_buy opportunity phase; Okaloosa, FL's primary driver is vacancy, Okaloosa, FL second driver bank institutional; Okaloosa, FL moved up 101 places. 51 short-sale listings across Okaloosa, FL; 105 days on market observed in Okaloosa, FL; 14.5% vacancy over 14 Okaloosa, FL ZIPs.
1.1% of Okaloosa County, FL mortgages were ninety-plus days late in December 2025; Okaloosa, FL's thirty-to-eighty-nine-day share was 1.6% (CFPB county sample). Okaloosa, FL's ninety-day rate is up 0.2 points on twelve months earlier; the Okaloosa, FL peak since 2008 was 4.9% in February 2012; Florida overall reads 1.2%.
Okaloosa County, FL has 2 watched banks; 2 Okaloosa, FL banks sit in an elevated band. Okaloosa, FL footprints: Fnbt Bank (7 branches, stress 56) in Okaloosa, FL; Pnb Community Bank (1 branch, stress 69) in Okaloosa, FL.
HUD lists 8 assisted multifamily properties in Okaloosa County, FL with 1,078 units; 148 Okaloosa, FL units are assisted, 1 Okaloosa, FL properties under project-based Section 8.
18,453 of the 103,864 housing units in Okaloosa, FL sit vacant. Okaloosa County, FL permitted 26 multifamily units in twelve months; Okaloosa, FL's one-to-four unit structures added 1,336 units in Okaloosa County, FL.