Garrett County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garrett County, Maryland? DLRadar grades every Garrett County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Garrett County breakdown.
- Garrett County's most distressed ZIP is 21532 at 16/100.
- 12 ZIP codes tracked in Garrett County, averaging 12/100 distress.
- Garrett County reads expansion — home values up 5.3% year over year.
- Vacancy runs 24.3% across Garrett County's tracked ZIPs, with a 13% poverty rate.
- The typical Garrett County home is worth about $200,127 against a ~$62,937 median income.
- Lending headwind in Garrett County sits at 50/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21532 | 16/100 |
| 2 | 21521 | 15/100 |
| 3 | 21539 | 15/100 |
| 4 | 21562 | 15/100 |
| 5 | 21520 | 11/100 |
| 6 | 21523 | 11/100 |
| 7 | 21531 | 11/100 |
| 8 | 21536 | 11/100 |
| 9 | 21538 | 11/100 |
| 10 | 21541 | 11/100 |
| 11 | 21550 | 11/100 |
| 12 | 21561 | 11/100 |
Most distressed ZIP codes in Garrett County (composite distress 0-100, 2026)
What is driving Garrett County distress
The Garrett County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 12/100 ZIP average. No proprietary or modelled inputs enter the score.
Garrett County market phase and pricing
The cycle in Garrett County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Garrett County
Garrett County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
No card charged today · explore every module with live data.
Questions and answers
What is the hardest-hit ZIP in Garrett County?
ZIP 21532 leads Garrett County at 16/100, recomputed monthly from public records.
Is Garrett County expanding or contracting?
Phase for Garrett County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
What is this Garrett County analysis built from?
Garrett County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 12 ZIPs are comparable to anywhere else.
How much do distress scores vary between Garrett County ZIP codes?
One county number flattens a wide range. Across the Garrett County ZIPs DLRadar ranks, scores run from 16/100 in 21532 down to 11/100 in 21561, against a Garrett County average of 12/100. Because the gap runs to 5 points, Garrett County rewards ZIP-level precision.
What do Garrett County home values and vacancy say about distressed supply?
The typical Garrett County home carries about $200,127 of value against a median household income near $62,937. Vacancy across Garrett County's tracked ZIPs runs 24.3% and the poverty rate is 13%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Garrett County's foreclosure and lien data and its 50/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.