ZIP 32438 Property Distress & Foreclosure Data

Bay County, Florida's ZIP 32438 registers 34/100 composite distress, which DLRadar reads as moderate. Structural risk reads 74/100 against active distress of 9/100. The most distinctive pressure shows up in structural risk (74/100), institutional ownership (69/100), construction/permit lag (67/100). By contrast, mortgage stress (30/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (84/100).

The market reads neutral — home values rose 4.6% year on year, at 29/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 4,839 people live here, median age 42. A median home runs $153,700 here, or 3.0 times local income. The tenure split is 85% owner-occupied to 15% rented. About 12% have a four-year degree. Rent burden reaches 37% of tenant households. Vacancy runs 10.3%. There are about 2,035 housing units across 32438. Roughly 29.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $42,417 — below the roughly $78,000 national figure. On demographic stress specifically, 32438 scores 32/100.

Net-net, 32438 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.