Frederick County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Frederick County, Maryland? DLRadar grades every Frederick County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Frederick County breakdown.
- Frederick County's most distressed ZIP is 21701 at 25/100.
- 35 ZIP codes tracked in Frederick County, averaging 24/100 distress.
- Frederick County reads peak — home values up 1.6% year over year.
- Vacancy runs 5.8% across Frederick County's tracked ZIPs, with a 7.6% poverty rate.
- The typical Frederick County home is worth about $475,900 against a ~$127,993 median income.
- Lending headwind in Frederick County sits at 51/100 — 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 | 21701 | 25/100 |
| 2 | 21702 | 25/100 |
| 3 | 21703 | 25/100 |
| 4 | 21704 | 25/100 |
| 5 | 21705 | 25/100 |
| 6 | 21710 | 25/100 |
| 7 | 21714 | 25/100 |
| 8 | 21716 | 25/100 |
| 9 | 21717 | 25/100 |
| 10 | 21718 | 25/100 |
| 11 | 21727 | 25/100 |
| 12 | 21754 | 25/100 |
Most distressed ZIP codes in Frederick County (composite distress 0-100, 2026)
What is driving Frederick County distress
DLRadar builds Frederick County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Frederick County market phase and pricing
Frederick County currently sits in peak after a 1.6% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Frederick County
The Frederick County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
No card required · full read access to live data for 60 minutes.
Frequently asked questions
Where is distress highest inside Frederick County, MD?
ZIP 21701 leads Frederick County at 25/100, recomputed monthly from public records.
What stage of the price cycle is Frederick County at?
Frederick County reads peak, with home prices up 1.6% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Frederick County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 35 Frederick County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Frederick County ZIP codes?
One county number flattens a wide range. Across the Frederick County ZIPs DLRadar ranks, scores run from 25/100 in 21701 down to 25/100 in 21754, against a Frederick County average of 24/100. That 0-point gap is why acquisition targeting in Frederick County works at ZIP level rather than county level.
What do Frederick County home values and vacancy say about distressed supply?
The typical Frederick County home carries about $475,900 of value against a median household income near $127,993. Vacancy across Frederick County's tracked ZIPs runs 5.8% and the poverty rate is 7.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Frederick County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.