Charles County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charles County, Maryland? DLRadar grades every Charles County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Charles County breakdown.
- Charles County's most distressed ZIP is 20607 at 25/100.
- 25 ZIP codes tracked in Charles County, averaging 22/100 distress.
- Charles County reads peak — home values up 1.6% year over year.
- Vacancy runs 5.9% across Charles County's tracked ZIPs, with a 7.6% poverty rate.
- The typical Charles County home is worth about $444,700 against a ~$125,578 median income.
- Lending headwind in Charles County sits at 44/100 — 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 | 20607 | 25/100 |
| 2 | 20613 | 25/100 |
| 3 | 20601 | 22/100 |
| 4 | 20602 | 22/100 |
| 5 | 20603 | 22/100 |
| 6 | 20611 | 22/100 |
| 7 | 20612 | 22/100 |
| 8 | 20616 | 22/100 |
| 9 | 20617 | 22/100 |
| 10 | 20622 | 22/100 |
| 11 | 20625 | 22/100 |
| 12 | 20632 | 22/100 |
Most distressed ZIP codes in Charles County (composite distress 0-100, 2026)
What is driving Charles County distress
Charles 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.
Charles County market phase and pricing
The cycle in Charles County is peak, with values up 1.6% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Charles County
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Frequently asked
What is the most distressed ZIP code in Charles County, MD?
ZIP 20607 leads Charles County at 25/100, recomputed monthly from public records.
Where is Charles County in the housing cycle?
Charles County is classified peak with a 1.6% year-over-year increase, following the FHFA House Price Index.
How is the Charles County data sourced?
Every Charles 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 25 Charles County ZIP codes that it runs on every other U.S. county, so Charles County's numbers are directly comparable to any other market.
How much do distress scores vary between Charles County ZIP codes?
The county figure is a blend, not a description. Across the Charles County ZIPs DLRadar ranks, scores run from 25/100 in 20607 down to 22/100 in 20632, against a Charles County average of 22/100. Because the gap runs to 3 points, Charles County rewards ZIP-level precision.
What do Charles County home values and vacancy say about distressed supply?
The typical Charles County home carries about $444,700 of value against a median household income near $125,578. Vacancy across Charles County's tracked ZIPs runs 5.9% and the poverty rate is 7.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Charles County's foreclosure and tax-lien record and its 44/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.