ZIP 32403 Property Distress & Foreclosure Data

In Bay County, Florida, ZIP 32403 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100)). Its standout signals are structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). Structural exposure scores 78 and live distress 0 on the 0–100 scale.

The neutral-phase market in 32403 posted values that rose 4.9% over the year, 1.2% off the recent peak, at 31/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 41% of adults hold a bachelor's degree or higher. 0% of housing is owner-occupied. Rent burden reaches 43% of tenant households. There are about 104 housing units across 32403. The demographic-stress sub-score lands at 46/100. Population is roughly 379 with a median age of 22. At $61,500, median income runs below typical U.S. levels. The poverty rate is 14.0%. Vacancy runs 54.8%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 32403 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.