Frederick County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Frederick County, MD distress report, 2026: 35 ZIPs scored in Frederick, MD, Frederick, MD average 23/100; the top Frederick, MD ZIP is 21719 at 24/100; Frederick, MD market phase peak, Frederick, MD prices +1.6% year over year.
- Frederick, MD ranks #3,049 nationally (opportunity index); Frederick, MD #22 in Maryland; Frederick, MD index 22.6.
- Frederick, MD ninety-day mortgage delinquency 0.9% in December 2025; Frederick, MD twelve-month change +0.4%.
- Frederick, MD ZIP phases: 35 peak.
- Frederick, MD residential listings tracked: 116 across 28 ZIPs; Frederick, MD candidate listings 30.
- Frederick, MD HUD assisted properties: 46 with 2,418 units.
- Frederick, MD lenders on watch: 4; largest Frederick, MD footprint Woodsboro Bank (5 branches).
- Frederick, MD most distressed ZIP: 21719 at 24/100.
Frederick, MD figures: DLRadar distress index; Frederick, MD inputs: CFPB, FHFA, HUD, FDIC; Frederick, MD rebuilt as sources refresh.
| Rank | Frederick, MD ZIP | Score |
|---|---|---|
| 1 | 21719 | 24/100 |
| 2 | 21701 | 23/100 |
| 3 | 21702 | 23/100 |
| 4 | 21703 | 23/100 |
| 5 | 21704 | 23/100 |
| 6 | 21705 | 23/100 |
| 7 | 21710 | 23/100 |
| 8 | 21714 | 23/100 |
| 9 | 21716 | 23/100 |
| 10 | 21717 | 23/100 |
| 11 | 21718 | 23/100 |
| 12 | 21727 | 23/100 |
Most distressed Frederick, MD ZIPs (0-100, 2026)
Mortgage delinquency in Frederick, MD
0.9% of Frederick, MD mortgages were ninety-plus days late (Frederick, MD, December 2025); Frederick, MD thirty-to-eighty-nine days late: 1.5%; Frederick, MD twelve-month change +0.4%; Frederick, MD peak since 2008: 5.3% (January 2010); Maryland overall 1.1%. Frederick, MD ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.4 (Frederick, MD), Mar 25 0.5, Apr 25 0.5, May 25 0.3 (Frederick, MD), Jun 25 0.5, Jul 25 0.5, Aug 25 0.7 (Frederick, MD), Sep 25 0.6, Oct 25 0.6, Nov 25 0.7 (Frederick, MD), Dec 25 0.9.
Opportunity index: Frederick, MD
Frederick, MD index 22.6, Frederick, MD phase weak; Frederick, MD primary driver construction, Frederick, MD second driver bank institutional. Frederick, MD components: property stress 5.2, foreclosure pressure 3.6, listing discounts 22.3, bank stress 58.6, insurance 0.0; Frederick, MD pulse 25.5; Frederick, MD capital opportunity 18.3.
ZIP market phases inside Frederick, MD
35 Frederick, MD ZIPs carry a price-cycle phase; Frederick, MD ZIPs by phase (Frederick, MD), deepest drawdown first: peak, +0.3% YoY, 2.8% off peak (Frederick, MD): 21719; peak, +0.7% YoY, 2.1% off peak (Frederick, MD): 21783; peak, +0.9% YoY, 1.5% off peak (Frederick, MD): 21758; peak, +1.5% YoY, 0.1% off peak (Frederick, MD): 21780; peak, +1.6% YoY, 0.0% off peak (Frederick, MD): 21769; peak, +1.6% YoY (Frederick, MD): 20842, 20871, 21701, 21702, Frederick, MD 21703, 21704, 21705, 21710, Frederick, MD 21714, 21716, 21717.
Residential listings by Frederick, MD ZIP
Frederick, MD ZIPs with the most tracked Frederick, MD residential listings: 21702 29 listings, 4 candidates, bank pressure 62; 21701 24 listings, 3 candidates, bank pressure 62; 21703 15 listings, 1 candidates, bank pressure 62; 21704 11 listings, 3 candidates, bank pressure 62 (Frederick, MD); 21771 9 listings, 4 candidates, bank pressure 60; 21727 6 listings, 2 candidates, bank pressure 62; 21773 6 listings, 5 candidates, bank pressure 62; 21788 4 listings, 2 candidates, bank pressure 62. Frederick, MD totals: 116 listings; Frederick, MD candidates 30; active ZIPs 14.
HUD assisted housing in Frederick, MD
46 assisted properties with 2,418 units sit in Frederick, MD; largest Frederick, MD properties: Manor At Willowdale (Frederick) 279 units; The Fred Apartments (Frederick) 240 units; Orchard Park At Ballenger Run (Frederick) 210 units in Frederick, MD; East Of Market Phase 2 (Frederick) 209 units; Potomac Commons (Frederick) 151 units; Riverwalk Apartments (Frederick) 144 units.
Lenders with branches in Frederick, MD
Frederick, MD lenders by branch count: Woodsboro Bank (Frederick, MD): stress 79, 5 branches low in Frederick, MD; Middletown Valley Bank (Frederick, MD): stress 87, 4 branches low in Frederick, MD; First United Bank&Trust (Frederick, MD): stress 63, 3 branches low in Frederick, MD; Presidential Bank Fsb (Frederick, MD): stress 84, 1 branch moderate in Frederick, MD.
Vacancy and permits, Frederick, MD
4,289 of 108,924 Frederick, MD housing units are vacant; Frederick, MD permits, twelve months: 168 multifamily units in Frederick, MD, 906 one-to-four unit units.
Work Frederick, MD at the parcel level
Every Frederick, MD parcel carries owner and address; every Frederick, MD parcel carries APN; Frederick, MD distress scores sit on the Frederick, MD live board.
Frederick, MD figures refresh with each source.
Frederick, MD questions
Most distressed ZIP code in Frederick County, MD?
ZIP 21719 leads Frederick, MD at 24/100; next in Frederick, MD: 21701 at 23/100; the Frederick, MD average is 23/100.
Where does Frederick County, MD rank for investment opportunity?
Frederick, MD is #3,049 among all ranked counties, #22 in Maryland; the Frederick, MD driver is construction; Frederick, MD moved down 44 places.
How many mortgages are delinquent in Frederick County, MD?
0.9% of Frederick, MD mortgages were ninety-plus days late in December 2025; the Frederick, MD peak since 2008 was 5.3%.
Which banks lend in Frederick County, MD?
4 watched lenders hold Frederick, MD branches; the largest Frederick, MD footprints are Woodsboro Bank (5), Middletown Valley Bank (4), First United Bank&Trust (3).
More on Frederick, MD
Frederick County, MD distress report: public-record figures for Frederick, MD; not legal advice for Frederick, MD; not tax or investment advice; verify every Frederick, MD record before acting.