Harford County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harford County, Maryland? DLRadar grades every Harford County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Harford County breakdown.
- Harford County's most distressed ZIP is 21001 at 25/100.
- 24 ZIP codes tracked in Harford County, averaging 24/100 distress.
- Harford County reads peak — home values up 2.2% year over year.
- Vacancy runs 8.3% across Harford County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Harford County home is worth about $434,395 against a ~$114,499 median income.
- Lending headwind in Harford County sits at 42/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21001 | 25/100 |
| 2 | 21005 | 25/100 |
| 3 | 21009 | 25/100 |
| 4 | 21010 | 25/100 |
| 5 | 21014 | 25/100 |
| 6 | 21015 | 25/100 |
| 7 | 21017 | 25/100 |
| 8 | 21028 | 25/100 |
| 9 | 21034 | 25/100 |
| 10 | 21040 | 25/100 |
| 11 | 21047 | 25/100 |
| 12 | 21050 | 25/100 |
Most distressed ZIP codes in Harford County (composite distress 0-100, 2026)
What is driving Harford County distress
The Harford County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
Harford County market phase and pricing
Harford County currently sits in peak after a 2.2% 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 Harford County
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Questions and answers
Where is distress highest inside Harford County, MD?
ZIP 21001 leads Harford County at 25/100, recomputed monthly from public records.
Where is Harford County in the housing cycle?
The market phase for Harford County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Harford County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 24 Harford 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 Harford County ZIP codes?
A county average hides the spread. Across the Harford County ZIPs DLRadar ranks, scores run from 25/100 in 21001 down to 25/100 in 21050, against a Harford County average of 24/100. Because the gap runs to 0 points, Harford County rewards ZIP-level precision.
What do Harford County home values and vacancy say about distressed supply?
The typical Harford County home carries about $434,395 of value against a median household income near $114,499. Vacancy across Harford County's tracked ZIPs runs 8.3% and the poverty rate is 8.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Harford County's filings and its 42/100 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.