Carroll County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carroll County, Maryland? DLRadar grades every Carroll County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Carroll County breakdown.
- Carroll County's most distressed ZIP is 21104 at 26/100.
- 15 ZIP codes tracked in Carroll County, averaging 22/100 distress.
- Carroll County reads peak — home values up 2.2% year over year.
- Vacancy runs 3.8% across Carroll County's tracked ZIPs, with a 5.1% poverty rate.
- The typical Carroll County home is worth about $471,107 against a ~$122,950 median income.
- Lending headwind in Carroll County sits at 47/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21104 | 26/100 |
| 2 | 21797 | 26/100 |
| 3 | 21771 | 24/100 |
| 4 | 21784 | 24/100 |
| 5 | 21791 | 24/100 |
| 6 | 21757 | 23/100 |
| 7 | 21136 | 22/100 |
| 8 | 21776 | 22/100 |
| 9 | 21155 | 21/100 |
| 10 | 21787 | 21/100 |
| 11 | 21048 | 18/100 |
| 12 | 21074 | 18/100 |
Most distressed ZIP codes in Carroll County (composite distress 0-100, 2026)
What is driving Carroll County distress
Carroll County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 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.
Carroll County market phase and pricing
Carroll County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Carroll County
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Frequently asked questions
Which Carroll County ZIP scores worst for distress?
ZIP 21104 leads Carroll County at 26/100, recomputed monthly from public records.
How would you describe the Carroll County market phase?
Carroll County is classified peak with a 2.2% year-over-year increase, following the FHFA House Price Index.
What is this Carroll County analysis built from?
Every Carroll County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 15 Carroll County ZIP codes that it runs on every other U.S. county, so Carroll County's numbers are directly comparable to any other market.
How much do distress scores vary between Carroll County ZIP codes?
Averaging the county conceals how uneven it is. Across the Carroll County ZIPs DLRadar ranks, scores run from 26/100 in 21104 down to 18/100 in 21074, against a Carroll County average of 22/100. With 8 points between best and worst, county-level targeting in Carroll County wastes effort.
What do Carroll County home values and vacancy say about distressed supply?
The typical Carroll County home carries about $471,107 of value against a median household income near $122,950. Vacancy across Carroll County's tracked ZIPs runs 3.8% and the poverty rate is 5.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Carroll County's foreclosure and tax-lien filings and its 47/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.