Charles County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charles County, MD distress report, 2026: 25 ZIPs scored in Charles, MD, Charles, MD average 22/100; the top Charles, MD ZIP is 20607 at 26/100; Charles, MD market phase peak, Charles, MD prices +1.6% year over year.
- Charles, MD ranks #2,142 nationally (opportunity index); Charles, MD #13 in Maryland; Charles, MD index 27.2.
- Charles, MD ninety-day mortgage delinquency 1.7% in December 2025; Charles, MD twelve-month change +0.4%.
- Charles, MD ZIP phases: 24 peak, 1 contraction.
- Charles, MD residential listings tracked: 180 across 22 ZIPs; Charles, MD candidate listings 51.
- Charles, MD HUD assisted properties: 12 with 896 units.
- Charles, MD lenders on watch: 1; largest Charles, MD footprint Shore United Bank Na (4 branches).
- Charles, MD most distressed ZIP: 20607 at 26/100.
Charles, MD figures: DLRadar distress index; Charles, MD inputs: CFPB, FHFA, HUD, FDIC; Charles, MD rebuilt as sources refresh.
| Rank | Charles, MD ZIP | Score |
|---|---|---|
| 1 | 20607 | 26/100 |
| 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 Charles, MD ZIPs (0-100, 2026)
Mortgage delinquency in Charles, MD
1.7% of Charles, MD mortgages were ninety-plus days late (Charles, MD, December 2025); Charles, MD thirty-to-eighty-nine days late: 4.3%; Charles, MD twelve-month change +0.4%; Charles, MD peak since 2008: 7.6% (November 2010); Maryland overall 1.1%. Charles, MD ninety-day series: Dec 24 1.3, Jan 25 1.7, Feb 25 1.9 (Charles, MD), Mar 25 1.7, Apr 25 1.2, May 25 1.8 (Charles, MD), Jun 25 1.7, Jul 25 1.8, Aug 25 1.5 (Charles, MD), Sep 25 1.5, Oct 25 1.4, Nov 25 1.3 (Charles, MD), Dec 25 1.7.
Opportunity index: Charles, MD
Charles, MD index 27.2, Charles, MD phase weak; Charles, MD primary driver construction, Charles, MD second driver bank institutional. Charles, MD components: property stress 7.0, foreclosure pressure 6.1, listing discounts 36.3, bank stress 45.4, insurance 0.0; Charles, MD pulse 27.2; Charles, MD capital opportunity 27.1.
ZIP market phases inside Charles, MD
25 Charles, MD ZIPs carry a price-cycle phase; Charles, MD ZIPs by phase (Charles, MD), deepest drawdown first: contraction, -0.7% YoY, 0.7% off peak (Charles, MD): 20659; peak, +1.2% YoY, 0.1% off peak (Charles, MD): 20622; peak, +1.6% YoY (Charles, MD): 20601, 20602, 20603, 20607, Charles, MD 20611, 20612, 20613, 20616, Charles, MD 20617, 20625, 20632, 20637, Charles, MD 20640, 20645.
Residential listings by Charles, MD ZIP
Charles, MD ZIPs with the most tracked Charles, MD residential listings: 20695 38 listings, 6 candidates, bank pressure 60; 20601 32 listings, 9 candidates, bank pressure 59; 20602 26 listings, 8 candidates, bank pressure 60; 20646 23 listings, 6 candidates, bank pressure 60 (Charles, MD); 20603 16 listings, 4 candidates, bank pressure 60; 20616 14 listings, 1 candidates, bank pressure 60; 20640 8 listings, 3 candidates, bank pressure 60; 20637 7 listings, 2 candidates, bank pressure 60. Charles, MD totals: 180 listings; Charles, MD candidates 51; active ZIPs 15.
HUD assisted housing in Charles, MD
12 assisted properties with 896 units sit in Charles, MD; largest Charles, MD properties: Huntington Apts (Waldorf) 204 units, 204 assisted; Adams Crossing Apartments (Waldorf) 192 units; Headen House Apts. (Waldorf) 136 units, 136 assisted in Charles, MD; Lakeview At Victoria Park (Waldorf) 108 units; La Plata Manor Apts (La Plata) 101 units, 100 assisted; Adams Crossing Apartments Phase 2 (Waldorf) 72 units.
Lenders with branches in Charles, MD
Charles, MD lenders by branch count: Shore United Bank Na (Charles, MD): stress 61, 4 branches low in Charles, MD.
Vacancy and permits, Charles, MD
2,938 of 63,813 Charles, MD housing units are vacant; Charles, MD permits, twelve months: 0 multifamily units in Charles, MD, 561 one-to-four unit units.
Work Charles, MD at the parcel level
Every Charles, MD parcel carries owner and address; every Charles, MD parcel carries APN; Charles, MD distress scores sit on the Charles, MD live board.
Charles, MD figures refresh with each source.
Charles, MD questions
Most distressed ZIP code in Charles County, MD?
ZIP 20607 leads Charles, MD at 26/100; next in Charles, MD: 20613 at 25/100; the Charles, MD average is 22/100.
Where does Charles County, MD rank for investment opportunity?
Charles, MD is #2,142 among all ranked counties, #13 in Maryland; the Charles, MD driver is construction; Charles, MD moved up 669 places.
How many mortgages are delinquent in Charles County, MD?
1.7% of Charles, MD mortgages were ninety-plus days late in December 2025; the Charles, MD peak since 2008 was 7.6%.
Which banks lend in Charles County, MD?
1 watched lenders hold Charles, MD branches; the largest Charles, MD footprints are Shore United Bank Na (4).
More on Charles, MD
Charles County, MD distress report: public-record figures for Charles, MD; not legal advice for Charles, MD; not tax or investment advice; verify every Charles, MD record before acting.