Carroll County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carroll County, MD distress report, 2026: 15 ZIPs scored in Carroll, MD, Carroll, MD average 21/100; the top Carroll, MD ZIP is 21104 at 26/100; Carroll, MD market phase peak, Carroll, MD prices +2.2% year over year.
- Carroll, MD ranks #3,073 nationally (opportunity index); Carroll, MD #23 in Maryland; Carroll, MD index 22.4.
- Carroll, MD ninety-day mortgage delinquency 0.4% in December 2025; Carroll, MD twelve-month change -0.2%.
- Carroll, MD ZIP phases: 15 peak.
- Carroll, MD residential listings tracked: 53 across 9 ZIPs; Carroll, MD candidate listings 27.
- Carroll, MD HUD assisted properties: 7 with 395 units.
- Carroll, MD lenders on watch: 1; largest Carroll, MD footprint Farmers&Merchants Bank (5 branches).
- Carroll, MD most distressed ZIP: 21104 at 26/100.
Carroll, MD figures: DLRadar distress index; Carroll, MD inputs: CFPB, FHFA, HUD, FDIC; Carroll, MD rebuilt as sources refresh.
| Rank | Carroll, MD ZIP | Score |
|---|---|---|
| 1 | 21104 | 26/100 |
| 2 | 21797 | 26/100 |
| 3 | 21771 | 23/100 |
| 4 | 21784 | 23/100 |
| 5 | 21136 | 22/100 |
| 6 | 21791 | 22/100 |
| 7 | 21155 | 21/100 |
| 8 | 21757 | 21/100 |
| 9 | 21776 | 20/100 |
| 10 | 21787 | 20/100 |
| 11 | 21048 | 18/100 |
| 12 | 21074 | 18/100 |
Most distressed Carroll, MD ZIPs (0-100, 2026)
Mortgage delinquency in Carroll, MD
0.4% of Carroll, MD mortgages were ninety-plus days late (Carroll, MD, December 2025); Carroll, MD thirty-to-eighty-nine days late: 1.8%; Carroll, MD twelve-month change -0.2%; Carroll, MD peak since 2008: 4.0% (January 2010); Maryland overall 1.1%. Carroll, MD ninety-day series: Dec 24 0.6, Jan 25 0.4, Feb 25 0.4 (Carroll, MD), Mar 25 0.5, Apr 25 0.6, May 25 0.6 (Carroll, MD), Jun 25 0.4, Jul 25 0.4, Aug 25 0.4 (Carroll, MD), Sep 25 0.7, Oct 25 0.7, Nov 25 0.3 (Carroll, MD), Dec 25 0.4.
Opportunity index: Carroll, MD
Carroll, MD index 22.4, Carroll, MD phase weak; Carroll, MD primary driver bank institutional, Carroll, MD second driver construction. Carroll, MD components: property stress 6.0, foreclosure pressure 3.6, listing discounts 23.8, bank stress 58.2, insurance 0.0; Carroll, MD pulse 24.6; Carroll, MD capital opportunity 19.1.
ZIP market phases inside Carroll, MD
15 Carroll, MD ZIPs carry a price-cycle phase; Carroll, MD ZIPs by phase (Carroll, MD), deepest drawdown first: peak, +2.2% YoY (Carroll, MD): 21048, 21074, 21102, 21104, Carroll, MD 21136, 21155, 21157, 21158, Carroll, MD 21784, 21797; peak, +1.9% YoY (Carroll, MD): 21757; peak, +1.8% YoY (Carroll, MD): 21771, 21791; peak, +2.0% YoY (Carroll, MD): 21776; peak, +2.1% YoY (Carroll, MD): 21787.
Residential listings by Carroll, MD ZIP
Carroll, MD ZIPs with the most tracked Carroll, MD residential listings: 21787 15 listings, 4 candidates, bank pressure 61; 21157 14 listings, 8 candidates, bank pressure 59; 21074 7 listings, 4 candidates, bank pressure 55; 21784 6 listings, 5 candidates, bank pressure 57 (Carroll, MD); 21158 4 listings, 0 candidates, bank pressure 59; 21048 3 listings, 3 candidates, bank pressure 59; 21102 2 listings, 1 candidates, bank pressure 55; 21757 2 listings, 2 candidates, bank pressure 61. Carroll, MD totals: 53 listings; Carroll, MD candidates 27; active ZIPs 8.
HUD assisted housing in Carroll, MD
7 assisted properties with 395 units sit in Carroll, MD; largest Carroll, MD properties: Snowden Creek (Eldersburg) 109 units; Westminster Overlook (Westminster) 99 units, 98 assisted; Tremont Place (Westminster) 82 units in Carroll, MD; Ridge Residences (Westminster) 80 units, 79 assisted; Kuleana Gardens (Eldersburg) 9 units, 9 assisted; Mahalo Homes (Sykesville) 9 units, 9 assisted.
Lenders with branches in Carroll, MD
Carroll, MD lenders by branch count: Farmers&Merchants Bank (Carroll, MD): stress 74, 5 branches low in Carroll, MD.
Vacancy and permits, Carroll, MD
2,483 of 66,768 Carroll, MD housing units are vacant; Carroll, MD permits, twelve months: 30 multifamily units in Carroll, MD, 170 one-to-four unit units.
Work Carroll, MD at the parcel level
Every Carroll, MD parcel carries owner and address; every Carroll, MD parcel carries APN; Carroll, MD distress scores sit on the Carroll, MD live board.
Carroll, MD figures refresh with each source.
Carroll, MD questions
Most distressed ZIP code in Carroll County, MD?
ZIP 21104 leads Carroll, MD at 26/100; next in Carroll, MD: 21797 at 26/100; the Carroll, MD average is 21/100.
Where does Carroll County, MD rank for investment opportunity?
Carroll, MD is #3,073 among all ranked counties, #23 in Maryland; the Carroll, MD driver is bank institutional; Carroll, MD moved down 6 places.
How many mortgages are delinquent in Carroll County, MD?
0.4% of Carroll, MD mortgages were ninety-plus days late in December 2025; the Carroll, MD peak since 2008 was 4.0%.
Which banks lend in Carroll County, MD?
1 watched lenders hold Carroll, MD branches; the largest Carroll, MD footprints are Farmers&Merchants Bank (5).
More on Carroll, MD
Carroll County, MD distress report: public-record figures for Carroll, MD; not legal advice for Carroll, MD; not tax or investment advice; verify every Carroll, MD record before acting.