Harford County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harford County, MD distress report, 2026: 24 ZIPs scored in Harford, MD, Harford, MD average 24/100; the top Harford, MD ZIP is 21001 at 24/100; Harford, MD market phase peak, Harford, MD prices +2.2% year over year.
- Harford, MD ranks #2,770 nationally (opportunity index); Harford, MD #19 in Maryland; Harford, MD index 24.6.
- Harford, MD ninety-day mortgage delinquency 0.8% in December 2025; Harford, MD twelve-month change -0.1%.
- Harford, MD ZIP phases: 24 peak.
- Harford, MD residential listings tracked: 105 across 20 ZIPs; Harford, MD candidate listings 38.
- Harford, MD HUD assisted properties: 25 with 3,367 units.
- Harford, MD lenders on watch: 4; largest Harford, MD footprint Harford Bank (7 branches).
- Harford, MD most distressed ZIP: 21001 at 24/100.
Harford, MD figures: DLRadar distress index; Harford, MD inputs: CFPB, FHFA, HUD, FDIC; Harford, MD rebuilt as sources refresh.
| Rank | Harford, MD ZIP | Score |
|---|---|---|
| 1 | 21001 | 24/100 |
| 2 | 21005 | 24/100 |
| 3 | 21009 | 24/100 |
| 4 | 21010 | 24/100 |
| 5 | 21014 | 24/100 |
| 6 | 21015 | 24/100 |
| 7 | 21017 | 24/100 |
| 8 | 21028 | 24/100 |
| 9 | 21034 | 24/100 |
| 10 | 21040 | 24/100 |
| 11 | 21047 | 24/100 |
| 12 | 21050 | 24/100 |
Most distressed Harford, MD ZIPs (0-100, 2026)
Mortgage delinquency in Harford, MD
0.8% of Harford, MD mortgages were ninety-plus days late (Harford, MD, December 2025); Harford, MD thirty-to-eighty-nine days late: 2.4%; Harford, MD twelve-month change -0.1%; Harford, MD peak since 2008: 4.5% (November 2011); Maryland overall 1.1%. Harford, MD ninety-day series: Dec 24 0.9, Jan 25 0.8, Feb 25 0.8 (Harford, MD), Mar 25 0.7, Apr 25 0.5, May 25 0.5 (Harford, MD), Jun 25 0.7, Jul 25 0.6, Aug 25 0.7 (Harford, MD), Sep 25 0.9, Oct 25 0.8, Nov 25 0.7 (Harford, MD), Dec 25 0.8.
Opportunity index: Harford, MD
Harford, MD index 24.6, Harford, MD phase weak; Harford, MD primary driver construction, Harford, MD second driver bank institutional. Harford, MD components: property stress 6.0, foreclosure pressure 4.2, listing discounts 30.9, bank stress 58.4, insurance 0.0; Harford, MD pulse 26.3; Harford, MD capital opportunity 22.0.
ZIP market phases inside Harford, MD
24 Harford, MD ZIPs carry a price-cycle phase; Harford, MD ZIPs by phase (Harford, MD), deepest drawdown first: peak, +2.2% YoY (Harford, MD): 21001, 21005, 21009, 21010, Harford, MD 21013, 21014, 21015, 21017, Harford, MD 21028, 21034, 21040, 21047, Harford, MD 21050, 21078, 21082, 21084.
Residential listings by Harford, MD ZIP
Harford, MD ZIPs with the most tracked Harford, MD residential listings: 21001 25 listings, 7 candidates, bank pressure 61; 21078 15 listings, 8 candidates, bank pressure 61; 21040 12 listings, 6 candidates, bank pressure 61; 21050 11 listings, 6 candidates, bank pressure 61 (Harford, MD); 21085 8 listings, 2 candidates, bank pressure 56; 21009 7 listings, 3 candidates, bank pressure 61; 21015 6 listings, 1 candidates, bank pressure 61; 21161 5 listings, 2 candidates, bank pressure 56. Harford, MD totals: 105 listings; Harford, MD candidates 38; active ZIPs 14.
HUD assisted housing in Harford, MD
25 assisted properties with 3,367 units sit in Harford, MD; largest Harford, MD properties: Windsor Valley Apartments I & Ii (Edgewood) 291 units, 131 assisted; Windsor Valley Apts. Section Iii (Edgewood) 283 units, 164 assisted; Enclave At Box Hill (Phase I) (Abingdon) 240 units in Harford, MD; The Edge At Middelton (Aberdeen) 237 units; Village At Lakeview (Edgewood) 223 units, 218 assisted; Riverside Apartments Phase I (Aberdeen) 212 units.
Lenders with branches in Harford, MD
Harford, MD lenders by branch count: Harford Bank (Harford, MD): stress 70, 7 branches low in Harford, MD; Rosedale Bank (Harford, MD): stress 54, 3 branches low in Harford, MD; Jarrettsville Fs&La (Harford, MD): stress 81, 1 branch low in Harford, MD; Bayvanguard Bank (Harford, MD): stress 40, 1 branch low in Harford, MD.
Vacancy and permits, Harford, MD
3,673 of 105,468 Harford, MD housing units are vacant; Harford, MD permits, twelve months: 77 multifamily units in Harford, MD, 781 one-to-four unit units.
Work Harford, MD at the parcel level
Every Harford, MD parcel carries owner and address; every Harford, MD parcel carries APN; Harford, MD distress scores sit on the Harford, MD live board.
Harford, MD figures refresh with each source.
Harford, MD questions
Most distressed ZIP code in Harford County, MD?
ZIP 21001 leads Harford, MD at 24/100; next in Harford, MD: 21005 at 24/100; the Harford, MD average is 24/100.
Where does Harford County, MD rank for investment opportunity?
Harford, MD is #2,770 among all ranked counties, #19 in Maryland; the Harford, MD driver is construction; Harford, MD moved up 165 places.
How many mortgages are delinquent in Harford County, MD?
0.8% of Harford, MD mortgages were ninety-plus days late in December 2025; the Harford, MD peak since 2008 was 4.5%.
Which banks lend in Harford County, MD?
4 watched lenders hold Harford, MD branches; the largest Harford, MD footprints are Harford Bank (7), Rosedale Bank (3), Jarrettsville Fs&La (1).
More on Harford, MD
Harford County, MD distress report: public-record figures for Harford, MD; not legal advice for Harford, MD; not tax or investment advice; verify every Harford, MD record before acting.