ZIP 32578 Property Distress & Foreclosure Data

Okaloosa County, Florida's ZIP 32578 registers 38/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in construction/permit lag (71/100), structural risk (69/100), institutional ownership (57/100). foreclosure activity (36/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (93/100). The latent-versus-live split is 69/100 structural and 28/100 already moving.

Prices here sit in a neutral phase: values rose 4.2% over the trailing year, and 11% higher over three years (phase confidence 30/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 7.9%. 7.2% of residents fall below the poverty threshold. Median household income is $105,858, above the U.S. median near $78,000. Around 40% of renters are cost-burdened. Educational attainment sits at 45% bachelor's-or-above. The ZIP holds roughly 14,956 housing units. Home values center near $447,700, an affordability ratio of 3.9× — accessible. Owners hold 78% of homes, renters 22%. DLRadar's demographic-stress index for the area reads 28/100. 33,948 residents call 32578 home, typically aged 43.

Overall, 32578 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. DLRadar currently tracks 60 individual distressed properties in 32578, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.