ZIP 32401 Property Distress & Foreclosure Data

Bay County, Florida's ZIP 32401 registers 36/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). The most distinctive pressure shows up in structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). mortgage stress (29/100) stay muted. Structural risk reads 78/100 against active distress of 9/100.

Prices here sit in a neutral phase: values rose 4.9% over the trailing year, 1.2% off the recent peak, and 12% higher over three years, at 31/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

18,394 residents call 32401 home, typically aged 43. Home values center near $230,500, an affordability ratio of 4.2×. Owners hold 59% of homes, renters 41%. Vacancy runs 14.3%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 52% of tenant households. DLRadar's demographic-stress index for the area reads 37/100. 16.3% of residents fall below the poverty threshold. Educational attainment sits at 20% bachelor's-or-above. There are about 10,522 housing units across 32401. Median household income is $49,901, below the U.S. median near $78,000.

Taken together, 32401 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.