Garrett County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Garrett County, MD distress report, 2026: 12 ZIPs scored in Garrett, MD, Garrett, MD average 12/100; the top Garrett, MD ZIP is 21532 at 15/100; Garrett, MD market phase expansion, Garrett, MD prices +5.3% year over year.
- Garrett, MD ranks #869 nationally (opportunity index); Garrett, MD #4 in Maryland; Garrett, MD index 31.7.
- Garrett, MD: no CFPB county sample; Garrett, MD state reading 1.1%.
- Garrett, MD ZIP phases: 8 expansion, 3 peak, 1 neutral.
- Garrett, MD residential listings tracked: 50 across 11 ZIPs; Garrett, MD candidate listings 25.
- Garrett, MD HUD assisted properties: 2 with 25 units.
- Garrett, MD lenders on watch: 1; largest Garrett, MD footprint First United Bank&Trust (5 branches).
- Garrett, MD most distressed ZIP: 21532 at 15/100.
Garrett, MD figures: DLRadar distress index; Garrett, MD inputs: CFPB, FHFA, HUD, FDIC; Garrett, MD rebuilt as sources refresh.
| Rank | Garrett, MD ZIP | Score |
|---|---|---|
| 1 | 21532 | 15/100 |
| 2 | 21562 | 15/100 |
| 3 | 21521 | 14/100 |
| 4 | 21539 | 14/100 |
| 5 | 21520 | 10/100 |
| 6 | 21523 | 10/100 |
| 7 | 21531 | 10/100 |
| 8 | 21536 | 10/100 |
| 9 | 21538 | 10/100 |
| 10 | 21541 | 10/100 |
| 11 | 21550 | 10/100 |
| 12 | 21561 | 10/100 |
Most distressed Garrett, MD ZIPs (0-100, 2026)
Mortgage delinquency around Garrett, MD
No CFPB county sample covers Garrett, MD; the state reading for Garrett, MD: 1.1% ninety-plus; Garrett, MD area thirty-to-eighty-nine 2.3% (December 2025, Garrett, MD).
Opportunity index: Garrett, MD
Garrett, MD index 31.7, Garrett, MD phase watchlist; Garrett, MD primary driver vacancy, Garrett, MD second driver bank institutional. Garrett, MD components: property stress 20.4, foreclosure pressure 20.4, listing discounts 39.8, bank stress 53.3, insurance 0.0; Garrett, MD pulse 33.2; Garrett, MD capital opportunity 29.4.
ZIP market phases inside Garrett, MD
12 Garrett, MD ZIPs carry a price-cycle phase; Garrett, MD ZIPs by phase (Garrett, MD), deepest drawdown first: expansion, +5.3% YoY (Garrett, MD): 21520, 21523, 21531, 21536, Garrett, MD 21538, 21541, 21550, 21561; neutral, +3.9% YoY (Garrett, MD): 21521; peak, +3.3% YoY (Garrett, MD): 21532; peak, +3.7% YoY (Garrett, MD): 21539; peak, +3.5% YoY (Garrett, MD): 21562.
Residential listings by Garrett, MD ZIP
Garrett, MD ZIPs with the most tracked Garrett, MD residential listings: 21550 23 listings, 13 candidates, bank pressure 59; 21541 9 listings, 4 candidates, bank pressure 59; 21562 6 listings, 1 candidates, bank pressure 62; 21520 3 listings, 2 candidates, bank pressure 59 (Garrett, MD); 21521 2 listings, 2 candidates, bank pressure 62; 21531 2 listings, 0 candidates, bank pressure 59; 21539 2 listings, 1 candidates, bank pressure 62; 21561 2 listings, 2 candidates, bank pressure 59. Garrett, MD totals: 50 listings; Garrett, MD candidates 25; active ZIPs 2.
HUD assisted housing in Garrett, MD
2 assisted properties with 25 units sit in Garrett, MD; largest Garrett, MD properties: Starner Hill Apts. (Grantsville) 18 units, 18 assisted; Eleventh Street Mitchell Manor (Oakland) 7 units, 6 assisted.
Lenders with branches in Garrett, MD
Garrett, MD lenders by branch count: First United Bank&Trust (Garrett, MD): stress 63, 5 branches low in Garrett, MD.
Vacancy and permits, Garrett, MD
6,064 of 18,642 Garrett, MD housing units are vacant; Garrett, MD permits, twelve months: 0 multifamily units in Garrett, MD, 144 one-to-four unit units.
Work Garrett, MD at the parcel level
Every Garrett, MD parcel carries owner and address; every Garrett, MD parcel carries APN; Garrett, MD distress scores sit on the Garrett, MD live board.
Garrett, MD figures refresh with each source.
Garrett, MD questions
Most distressed ZIP code in Garrett County, MD?
ZIP 21532 leads Garrett, MD at 15/100; next in Garrett, MD: 21562 at 15/100; the Garrett, MD average is 12/100.
Where does Garrett County, MD rank for investment opportunity?
Garrett, MD is #869 among all ranked counties, #4 in Maryland; the Garrett, MD driver is vacancy; Garrett, MD moved up 681 places.
How many mortgages are delinquent in Garrett County, MD?
Garrett, MD takes the state reading of 1.1% for December 2025; no CFPB county sample covers Garrett, MD.
Which banks lend in Garrett County, MD?
1 watched lenders hold Garrett, MD branches; the largest Garrett, MD footprints are First United Bank&Trust (5).
More on Garrett, MD
Garrett County, MD distress report: public-record figures for Garrett, MD; not legal advice for Garrett, MD; not tax or investment advice; verify every Garrett, MD record before acting.