Howard County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Howard County, MD distress report, 2026: 25 ZIPs scored in Howard, MD, Howard, MD average 26/100; the top Howard, MD ZIP is 20723 at 27/100; Howard, MD market phase peak, Howard, MD prices +2.2% year over year.
- Howard, MD ranks #2,750 nationally (opportunity index); Howard, MD #18 in Maryland; Howard, MD index 24.7.
- Howard, MD ninety-day mortgage delinquency 0.4% in December 2025; Howard, MD twelve-month change 0.0%.
- Howard, MD ZIP phases: 25 peak.
- Howard, MD residential listings tracked: 163 across 20 ZIPs; Howard, MD candidate listings 52.
- Howard, MD HUD assisted properties: 34 with 3,344 units.
- Howard, MD lenders on watch: 3; largest Howard, MD footprint Capital Bank National Assn (1 branch).
- Howard, MD most distressed ZIP: 20723 at 27/100.
Howard, MD figures: DLRadar distress index; Howard, MD inputs: CFPB, FHFA, HUD, FDIC; Howard, MD rebuilt as sources refresh.
| Rank | Howard, MD ZIP | Score |
|---|---|---|
| 1 | 20723 | 27/100 |
| 2 | 20759 | 27/100 |
| 3 | 20763 | 27/100 |
| 4 | 20777 | 27/100 |
| 5 | 21029 | 27/100 |
| 6 | 21036 | 27/100 |
| 7 | 21042 | 27/100 |
| 8 | 21043 | 27/100 |
| 9 | 21044 | 27/100 |
| 10 | 21045 | 27/100 |
| 11 | 21046 | 27/100 |
| 12 | 21075 | 27/100 |
Most distressed Howard, MD ZIPs (0-100, 2026)
Mortgage delinquency in Howard, MD
0.4% of Howard, MD mortgages were ninety-plus days late (Howard, MD, December 2025); Howard, MD thirty-to-eighty-nine days late: 1.2%; Howard, MD twelve-month change 0.0%; Howard, MD peak since 2008: 3.5% (January 2010); Maryland overall 1.1%. Howard, MD ninety-day series: Dec 24 0.4, Jan 25 0.5, Feb 25 0.5 (Howard, MD), Mar 25 0.6, Apr 25 0.5, May 25 0.5 (Howard, MD), Jun 25 0.4, Jul 25 0.4, Aug 25 0.5 (Howard, MD), Sep 25 0.6, Oct 25 0.6, Nov 25 0.3 (Howard, MD), Dec 25 0.4.
Opportunity index: Howard, MD
Howard, MD index 24.7, Howard, MD phase weak; Howard, MD primary driver construction, Howard, MD second driver bank institutional. Howard, MD components: property stress 6.1, foreclosure pressure 3.7, listing discounts 25.7, bank stress 53.2, insurance 0.0; Howard, MD pulse 27.1; Howard, MD capital opportunity 21.0; Howard, MD seven-day change +0.1%.
ZIP market phases inside Howard, MD
25 Howard, MD ZIPs carry a price-cycle phase; Howard, MD ZIPs by phase (Howard, MD), deepest drawdown first: peak, +2.2% YoY (Howard, MD): 20701, 20723, 20759, 20763, Howard, MD 20777, 20794, 21029, 21036, Howard, MD 21042, 21043, 21044, 21045, Howard, MD 21046, 21075, 21076; peak, +1.6% YoY (Howard, MD): 20833.
Residential listings by Howard, MD ZIP
Howard, MD ZIPs with the most tracked Howard, MD residential listings: 21044 37 listings, 14 candidates, bank pressure 57; 21042 33 listings, 11 candidates, bank pressure 57; 21043 32 listings, 4 candidates, bank pressure 54; 21045 25 listings, 11 candidates, bank pressure 57 (Howard, MD); 20723 7 listings, 4 candidates, bank pressure 57; 21046 6 listings, 2 candidates, bank pressure 57; 21075 6 listings, 1 candidates, bank pressure 57; 20794 5 listings, 2 candidates, bank pressure 58. Howard, MD totals: 163 listings; Howard, MD candidates 52; active ZIPs 13.
HUD assisted housing in Howard, MD
34 assisted properties with 3,344 units sit in Howard, MD; largest Howard, MD properties: The Vine (Laurel) 283 units; Monarch Mills (Columbia) 269 units, 50 assisted; Mission Place (Jessup) 262 units in Howard, MD; Brompton House Phase I (Elkridge) 254 units; Corridor Square Apartments (Elkridge) 250 units; Burgess Mill Station I (Ellicott City) 198 units.
Lenders with branches in Howard, MD
Howard, MD lenders by branch count: Capital Bank National Assn (Howard, MD): stress 69, 1 branch low in Howard, MD; Shore United Bank Na (Howard, MD): stress 61, 1 branch low in Howard, MD; Eastern Savings Bank Fsb (Howard, MD): stress 6, 1 branch low in Howard, MD.
Vacancy and permits, Howard, MD
4,221 of 125,286 Howard, MD housing units are vacant; Howard, MD permits, twelve months: 0 multifamily units in Howard, MD, 267 one-to-four unit units.
Work Howard, MD at the parcel level
Every Howard, MD parcel carries owner and address; every Howard, MD parcel carries APN; Howard, MD distress scores sit on the Howard, MD live board.
Howard, MD figures refresh with each source.
Howard, MD questions
Most distressed ZIP code in Howard County, MD?
ZIP 20723 leads Howard, MD at 27/100; next in Howard, MD: 20759 at 27/100; the Howard, MD average is 26/100.
Where does Howard County, MD rank for investment opportunity?
Howard, MD is #2,750 among all ranked counties, #18 in Maryland; the Howard, MD driver is construction; Howard, MD moved up 77 places.
How many mortgages are delinquent in Howard County, MD?
0.4% of Howard, MD mortgages were ninety-plus days late in December 2025; the Howard, MD peak since 2008 was 3.5%.
Which banks lend in Howard County, MD?
3 watched lenders hold Howard, MD branches; the largest Howard, MD footprints are Capital Bank National Assn (1), Shore United Bank Na (1), Eastern Savings Bank Fsb (1).
More on Howard, MD
Howard County, MD distress report: public-record figures for Howard, MD; not legal advice for Howard, MD; not tax or investment advice; verify every Howard, MD record before acting.