Caroline County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Caroline County, MD distress report, 2026: 10 ZIPs scored in Caroline, MD, Caroline, MD average 15/100; the top Caroline, MD ZIP is 21657 at 20/100; Caroline, MD market phase expansion, Caroline, MD prices +5.3% year over year.
- Caroline, MD ranks #2,543 nationally (opportunity index); Caroline, MD #16 in Maryland; Caroline, MD index 25.7.
- Caroline, MD: no CFPB county sample; Caroline, MD state reading 1.1%.
- Caroline, MD ZIP phases: 6 expansion, 2 neutral, 2 peak.
- Caroline, MD residential listings tracked: 24 across 8 ZIPs; Caroline, MD candidate listings 10.
- Caroline, MD HUD assisted properties: 1 with 88 units.
- Caroline, MD lenders on watch: 2; largest Caroline, MD footprint Shore United Bank Na (2 branches).
- Caroline, MD most distressed ZIP: 21657 at 20/100.
Caroline, MD figures: DLRadar distress index; Caroline, MD inputs: CFPB, FHFA, HUD, FDIC; Caroline, MD rebuilt as sources refresh.
| Rank | Caroline, MD ZIP | Score |
|---|---|---|
| 1 | 21657 | 20/100 |
| 2 | 21649 | 19/100 |
| 3 | 21640 | 18/100 |
| 4 | 21632 | 14/100 |
| 5 | 21629 | 13/100 |
| 6 | 21636 | 13/100 |
| 7 | 21639 | 13/100 |
| 8 | 21641 | 13/100 |
| 9 | 21655 | 13/100 |
| 10 | 21660 | 13/100 |
Most distressed Caroline, MD ZIPs (0-100, 2026)
Mortgage delinquency around Caroline, MD
No CFPB county sample covers Caroline, MD; the state reading for Caroline, MD: 1.1% ninety-plus; Caroline, MD area thirty-to-eighty-nine 2.3% (December 2025, Caroline, MD).
Opportunity index: Caroline, MD
Caroline, MD index 25.7, Caroline, MD phase weak; Caroline, MD primary driver bank institutional, Caroline, MD second driver vacancy. Caroline, MD components: property stress 15.1, foreclosure pressure 14.1, listing discounts 26.6, bank stress 62.2, insurance 0.0; Caroline, MD pulse 28.7; Caroline, MD capital opportunity 21.2.
ZIP market phases inside Caroline, MD
10 Caroline, MD ZIPs carry a price-cycle phase; Caroline, MD ZIPs by phase (Caroline, MD), deepest drawdown first: expansion, +5.3% YoY (Caroline, MD): 21629, 21636, 21639, 21641, Caroline, MD 21655, 21660; neutral, +4.6% YoY (Caroline, MD): 21632; neutral, +4.7% YoY (Caroline, MD): 21640; peak, +3.7% YoY (Caroline, MD): 21649; peak, +2.2% YoY (Caroline, MD): 21657.
Residential listings by Caroline, MD ZIP
Caroline, MD ZIPs with the most tracked Caroline, MD residential listings: 21639 7 listings, 0 candidates, bank pressure 64; 21660 6 listings, 4 candidates, bank pressure 64; 21629 4 listings, 0 candidates, bank pressure 64; 21632 3 listings, 2 candidates, bank pressure 60 (Caroline, MD); 21655 3 listings, 3 candidates, bank pressure 60; 21641 1 listings, 1 candidates, bank pressure 64; 21636 0 listings, 0 candidates, bank pressure 64; 21640 0 listings, 0 candidates, bank pressure 63. Caroline, MD totals: 24 listings; Caroline, MD candidates 10; active ZIPs 6.
HUD assisted housing in Caroline, MD
1 assisted properties with 88 units sit in Caroline, MD; largest Caroline, MD properties: Federalsburg Square (Federalsburg) 88 units.
Lenders with branches in Caroline, MD
Caroline, MD lenders by branch count: Shore United Bank Na (Caroline, MD): stress 61, 2 branches low in Caroline, MD; Queenstown Bank Of Maryland (Caroline, MD): stress 72, 1 branch low in Caroline, MD.
Vacancy and permits, Caroline, MD
1,036 of 13,531 Caroline, MD housing units are vacant; Caroline, MD permits, twelve months: 4 multifamily units in Caroline, MD, 70 one-to-four unit units.
Work Caroline, MD at the parcel level
Every Caroline, MD parcel carries owner and address; every Caroline, MD parcel carries APN; Caroline, MD distress scores sit on the Caroline, MD live board.
Caroline, MD figures refresh with each source.
Caroline, MD questions
Most distressed ZIP code in Caroline County, MD?
ZIP 21657 leads Caroline, MD at 20/100; next in Caroline, MD: 21649 at 19/100; the Caroline, MD average is 15/100.
Where does Caroline County, MD rank for investment opportunity?
Caroline, MD is #2,543 among all ranked counties, #16 in Maryland; the Caroline, MD driver is bank institutional; Caroline, MD moved up 34 places.
How many mortgages are delinquent in Caroline County, MD?
Caroline, MD takes the state reading of 1.1% for December 2025; no CFPB county sample covers Caroline, MD.
Which banks lend in Caroline County, MD?
2 watched lenders hold Caroline, MD branches; the largest Caroline, MD footprints are Shore United Bank Na (2), Queenstown Bank Of Maryland (1).
More on Caroline, MD
Caroline County, MD distress report: public-record figures for Caroline, MD; not legal advice for Caroline, MD; not tax or investment advice; verify every Caroline, MD record before acting.