Montgomery County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, MD distress report, 2026: 53 ZIPs scored in Montgomery, MD, Montgomery, MD average 20/100; the top Montgomery, MD ZIP is 20777 at 27/100; Montgomery, MD market phase peak, Montgomery, MD prices +1.6% year over year.
- Montgomery, MD ranks #3,178 nationally (opportunity index); Montgomery, MD #24 in Maryland; Montgomery, MD index 20.7.
- Montgomery, MD ninety-day mortgage delinquency 0.4% in December 2025; Montgomery, MD twelve-month change -0.1%.
- Montgomery, MD ZIP phases: 53 peak.
- Montgomery, MD residential listings tracked: 309 across 48 ZIPs; Montgomery, MD candidate listings 138.
- Montgomery, MD HUD assisted properties: 117 with 13,360 units.
- Montgomery, MD lenders on watch: 5; largest Montgomery, MD footprint Eaglebank (7 branches).
- Montgomery, MD most distressed ZIP: 20777 at 27/100.
Montgomery, MD figures: DLRadar distress index; Montgomery, MD inputs: CFPB, FHFA, HUD, FDIC; Montgomery, MD rebuilt as sources refresh.
| Rank | Montgomery, MD ZIP | Score |
|---|---|---|
| 1 | 20777 | 27/100 |
| 2 | 20705 | 26/100 |
| 3 | 21797 | 26/100 |
| 4 | 20707 | 25/100 |
| 5 | 21771 | 23/100 |
| 6 | 20812 | 20/100 |
| 7 | 20814 | 20/100 |
| 8 | 20815 | 20/100 |
| 9 | 20816 | 20/100 |
| 10 | 20817 | 20/100 |
| 11 | 20818 | 20/100 |
| 12 | 20832 | 20/100 |
Most distressed Montgomery, MD ZIPs (0-100, 2026)
Mortgage delinquency in Montgomery, MD
0.4% of Montgomery, MD mortgages were ninety-plus days late (Montgomery, MD, December 2025); Montgomery, MD thirty-to-eighty-nine days late: 1.0%; Montgomery, MD twelve-month change -0.1%; Montgomery, MD peak since 2008: 4.4% (November 2009); Maryland overall 1.1%. Montgomery, MD ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.5 (Montgomery, MD), Mar 25 0.5, Apr 25 0.5, May 25 0.4 (Montgomery, MD), Jun 25 0.4, Jul 25 0.3, Aug 25 0.3 (Montgomery, MD), Sep 25 0.4, Oct 25 0.4, Nov 25 0.4 (Montgomery, MD), Dec 25 0.4.
Opportunity index: Montgomery, MD
Montgomery, MD index 20.7, Montgomery, MD phase weak; Montgomery, MD primary driver bank institutional, Montgomery, MD second driver listings discount. Montgomery, MD components: property stress 10.0, foreclosure pressure 9.4, listing discounts 22.0, bank stress 55.7, insurance 0.0; Montgomery, MD pulse 21.2; Montgomery, MD capital opportunity 20.0; Montgomery, MD seven-day change +0.2%.
ZIP market phases inside Montgomery, MD
53 Montgomery, MD ZIPs carry a price-cycle phase; Montgomery, MD ZIPs by phase (Montgomery, MD), deepest drawdown first: peak, +1.6% YoY (Montgomery, MD): 20705, 20707, 20812, 20814, Montgomery, MD 20815, 20816, 20817, 20818, Montgomery, MD 20832, 20833, 20837, 20838, Montgomery, MD 20839, 20841, 20842; peak, +2.2% YoY (Montgomery, MD): 20777.
Residential listings by Montgomery, MD ZIP
Montgomery, MD ZIPs with the most tracked Montgomery, MD residential listings: 20906 39 listings, 28 candidates, bank pressure 62; 20910 25 listings, 17 candidates, bank pressure 62; 20850 24 listings, 9 candidates, bank pressure 62; 20902 22 listings, 13 candidates, bank pressure 62 (Montgomery, MD); 20852 20 listings, 9 candidates, bank pressure 62; 20886 20 listings, 3 candidates, bank pressure 62; 20904 19 listings, 9 candidates, bank pressure 61; 20814 15 listings, 6 candidates, bank pressure 62. Montgomery, MD totals: 309 listings; Montgomery, MD candidates 138; active ZIPs 33.
HUD assisted housing in Montgomery, MD
117 assisted properties with 13,360 units sit in Montgomery, MD; largest Montgomery, MD properties: Cider Mill Apts (Montgomery Village) 864 units; Rock Creek Terrace (Rockville) 526 units, 457 assisted; The Alexander House (Silver Spring) 311 units in Montgomery, MD; Metropolitan Park (Bethesda) 308 units; Residences At Hiddens Creek (Gaithersburg) 300 units; Glenmont Metrocenter (Silver Springs) 254 units.
Lenders with branches in Montgomery, MD
Montgomery, MD lenders by branch count: Eaglebank (Montgomery, MD): stress 72, 7 branches low in Montgomery, MD; Forbright Bank (Montgomery, MD): stress 70, 4 branches low in Montgomery, MD; Presidential Bank Fsb (Montgomery, MD): stress 84, 3 branches low in Montgomery, MD; Capital Bank National Assn (Montgomery, MD): stress 69, 2 branches low in Montgomery, MD; Harbor Bank Of Maryland (Montgomery, MD): stress 75, 1 branch low in Montgomery, MD.
Vacancy and permits, Montgomery, MD
17,321 of 406,531 Montgomery, MD housing units are vacant; Montgomery, MD permits, twelve months: 2,075 multifamily units in Montgomery, MD, 761 one-to-four unit units.
Work Montgomery, MD at the parcel level
Every Montgomery, MD parcel carries owner and address; every Montgomery, MD parcel carries APN; Montgomery, MD distress scores sit on the Montgomery, MD live board.
Montgomery, MD figures refresh with each source.
Montgomery, MD questions
Most distressed ZIP code in Montgomery County, MD?
ZIP 20777 leads Montgomery, MD at 27/100; next in Montgomery, MD: 20705 at 26/100; the Montgomery, MD average is 20/100.
Where does Montgomery County, MD rank for investment opportunity?
Montgomery, MD is #3,178 among all ranked counties, #24 in Maryland; the Montgomery, MD driver is bank institutional; Montgomery, MD moved up 8 places.
How many mortgages are delinquent in Montgomery County, MD?
0.4% of Montgomery, MD mortgages were ninety-plus days late in December 2025; the Montgomery, MD peak since 2008 was 4.4%.
Which banks lend in Montgomery County, MD?
5 watched lenders hold Montgomery, MD branches; the largest Montgomery, MD footprints are Eaglebank (7), Forbright Bank (4), Presidential Bank Fsb (3).
More on Montgomery, MD
Montgomery County, MD distress report: public-record figures for Montgomery, MD; not legal advice for Montgomery, MD; not tax or investment advice; verify every Montgomery, MD record before acting.