Baltimore County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baltimore County, Maryland? DLRadar grades every Baltimore County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Baltimore County breakdown.
- Baltimore County's most distressed ZIP is 21215 at 30/100.
- 57 ZIP codes tracked in Baltimore County, averaging 23/100 distress.
- Baltimore County reads peak — home values up 2.2% year over year.
- Vacancy runs 4.7% across Baltimore County's tracked ZIPs, with a 8.7% poverty rate.
- The typical Baltimore County home is worth about $444,542 against a ~$90,950 median income.
- Lending headwind in Baltimore County sits at 33/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21215 | 30/100 |
| 2 | 21210 | 29/100 |
| 3 | 21229 | 29/100 |
| 4 | 21206 | 28/100 |
| 5 | 21224 | 28/100 |
| 6 | 21239 | 28/100 |
| 7 | 21043 | 27/100 |
| 8 | 21212 | 27/100 |
| 9 | 21104 | 26/100 |
| 10 | 21209 | 26/100 |
| 11 | 21085 | 25/100 |
| 12 | 21207 | 25/100 |
Most distressed ZIP codes in Baltimore County (composite distress 0-100, 2026)
What is driving Baltimore County distress
Baltimore County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Baltimore County market phase and pricing
Baltimore County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Frequently asked
Which ZIP code leads Baltimore County on distress?
ZIP 21215 leads Baltimore County at 30/100, recomputed monthly from public records.
What market phase is Baltimore County in?
Baltimore County currently sits in peak, with values up 2.2% year on year, based on FHFA price-index trajectory.
Can the Baltimore County figures be verified?
Each Baltimore County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 57 local ZIPs and every other county in the country.
How much do distress scores vary between Baltimore County ZIP codes?
The county figure is a blend, not a description. Across the Baltimore County ZIPs DLRadar ranks, scores run from 30/100 in 21215 down to 25/100 in 21207, against a Baltimore County average of 23/100. Those 5 points separate the ZIPs worth working in Baltimore County from the rest.
What do Baltimore County home values and vacancy say about distressed supply?
The typical Baltimore County home carries about $444,542 of value against a median household income near $90,950. Vacancy across Baltimore County's tracked ZIPs runs 4.7% and the poverty rate is 8.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Baltimore County's foreclosure and lien filings and its 33/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.