Baltimore County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Baltimore County, MD distress report, 2026: 57 ZIPs scored in Baltimore, MD, Baltimore, MD average 23/100; the top Baltimore, MD ZIP is 21215 at 30/100; Baltimore, MD market phase peak, Baltimore, MD prices +2.2% year over year.
- Baltimore, MD ranks #3,031 nationally (opportunity index); Baltimore, MD #21 in Maryland; Baltimore, MD index 22.9.
- Baltimore, MD ninety-day mortgage delinquency 1.3% in December 2025; Baltimore, MD twelve-month change -0.1%.
- Baltimore, MD ZIP phases: 57 peak.
- Baltimore, MD residential listings tracked: 287 across 44 ZIPs; Baltimore, MD candidate listings 123.
- Baltimore, MD HUD assisted properties: 1 with 72 units.
- Baltimore, MD lenders on watch: 7; largest Baltimore, MD footprint Rosedale Bank (11 branches).
- Baltimore, MD most distressed ZIP: 21215 at 30/100.
Baltimore, MD figures: DLRadar distress index; Baltimore, MD inputs: CFPB, FHFA, HUD, FDIC; Baltimore, MD rebuilt as sources refresh.
| Rank | Baltimore, MD ZIP | Score |
|---|---|---|
| 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 | 21207 | 25/100 |
| 12 | 21085 | 24/100 |
Most distressed Baltimore, MD ZIPs (0-100, 2026)
Mortgage delinquency in Baltimore, MD
1.3% of Baltimore, MD mortgages were ninety-plus days late (Baltimore, MD, December 2025); Baltimore, MD thirty-to-eighty-nine days late: 2.8%; Baltimore, MD twelve-month change -0.1%; Baltimore, MD peak since 2008: 5.4% (January 2010); Maryland overall 1.1%. Baltimore, MD ninety-day series: Dec 24 1.4, Jan 25 1.4, Feb 25 1.3 (Baltimore, MD), Mar 25 1.1, Apr 25 1.0, May 25 1.0 (Baltimore, MD), Jun 25 1.0, Jul 25 1.1, Aug 25 1.0 (Baltimore, MD), Sep 25 1.0, Oct 25 1.0, Nov 25 1.2 (Baltimore, MD), Dec 25 1.3.
Opportunity index: Baltimore, MD
Baltimore, MD index 22.9, Baltimore, MD phase weak; Baltimore, MD primary driver bank institutional, Baltimore, MD second driver vacancy. Baltimore, MD components: property stress 8.6, foreclosure pressure 7.4, listing discounts 28.1, bank stress 53.1, insurance 0.0; Baltimore, MD pulse 23.0; Baltimore, MD capital opportunity 22.8.
ZIP market phases inside Baltimore, MD
57 Baltimore, MD ZIPs carry a price-cycle phase; Baltimore, MD ZIPs by phase (Baltimore, MD), deepest drawdown first: peak, +2.2% YoY (Baltimore, MD): 21013, 21023, 21030, 21031, Baltimore, MD 21043, 21051, 21052, 21053, Baltimore, MD 21057, 21071, 21074, 21082, Baltimore, MD 21085, 21087, 21093, 21102.
Residential listings by Baltimore, MD ZIP
Baltimore, MD ZIPs with the most tracked Baltimore, MD residential listings: 21207 50 listings, 19 candidates, bank pressure 54; 21234 30 listings, 12 candidates, bank pressure 54; 21133 21 listings, 1 candidates, bank pressure 53; 21227 21 listings, 12 candidates, bank pressure 54 (Baltimore, MD); 21221 17 listings, 8 candidates, bank pressure 53; 21222 17 listings, 7 candidates, bank pressure 54; 21117 16 listings, 6 candidates, bank pressure 53; 21136 16 listings, 10 candidates, bank pressure 55. Baltimore, MD totals: 287 listings; Baltimore, MD candidates 123; active ZIPs 29.
HUD assisted housing in Baltimore, MD
1 assisted properties with 72 units sit in Baltimore, MD; largest Baltimore, MD properties: Reister's View (Reisterstown) 72 units, 72 assisted.
Lenders with branches in Baltimore, MD
Baltimore, MD lenders by branch count: Rosedale Bank (Baltimore, MD): stress 54, 11 branches low in Baltimore, MD; Farmers&Merchants Bank (Baltimore, MD): stress 74, 4 branches low in Baltimore, MD; Bayvanguard Bank (Baltimore, MD): stress 40, 3 branches low in Baltimore, MD; Shore United Bank Na (Baltimore, MD): stress 61, 2 branches low in Baltimore, MD; Eastern Savings Bank Fsb (Baltimore, MD): stress 6, 2 branches low in Baltimore, MD; Harbor Bank Of Maryland (Baltimore, MD): stress 75, 1 branch low in Baltimore, MD; Cfg Bank (Baltimore, MD): stress 59, 1 branch low in Baltimore, MD.
Vacancy and permits, Baltimore, MD
18,020 of 350,821 Baltimore, MD housing units are vacant; Baltimore, MD permits, twelve months: 703 multifamily units in Baltimore, MD, 880 one-to-four unit units.
Work Baltimore, MD at the parcel level
Every Baltimore, MD parcel carries owner and address; every Baltimore, MD parcel carries APN; Baltimore, MD distress scores sit on the Baltimore, MD live board.
Baltimore, MD figures refresh with each source.
Baltimore, MD questions
Most distressed ZIP code in Baltimore County, MD?
ZIP 21215 leads Baltimore, MD at 30/100; next in Baltimore, MD: 21210 at 29/100; the Baltimore, MD average is 23/100.
Where does Baltimore County, MD rank for investment opportunity?
Baltimore, MD is #3,031 among all ranked counties, #21 in Maryland; the Baltimore, MD driver is bank institutional; Baltimore, MD moved up 116 places.
How many mortgages are delinquent in Baltimore County, MD?
1.3% of Baltimore, MD mortgages were ninety-plus days late in December 2025; the Baltimore, MD peak since 2008 was 5.4%.
Which banks lend in Baltimore County, MD?
7 watched lenders hold Baltimore, MD branches; the largest Baltimore, MD footprints are Rosedale Bank (11), Farmers&Merchants Bank (4), Bayvanguard Bank (3).
More on Baltimore, MD
Baltimore County, MD distress report: public-record figures for Baltimore, MD; not legal advice for Baltimore, MD; not tax or investment advice; verify every Baltimore, MD record before acting.