Montgomery County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Maryland? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 20777 at 27/100.
- 53 ZIP codes tracked in Montgomery County, averaging 20/100 distress.
- Montgomery County reads peak — home values up 1.6% year over year.
- Vacancy runs 3.9% across Montgomery County's tracked ZIPs, with a 5.6% poverty rate.
- The typical Montgomery County home is worth about $722,478 against a ~$136,415 median income.
- Lending headwind in Montgomery County sits at 46/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 20777 | 27/100 |
| 2 | 21797 | 26/100 |
| 3 | 20705 | 25/100 |
| 4 | 20707 | 25/100 |
| 5 | 21771 | 24/100 |
| 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 ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
DLRadar builds Montgomery County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Montgomery County market phase and pricing
Phase for Montgomery County: peak (+1.6% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Montgomery County
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Common questions
What is the hardest-hit ZIP in Montgomery County?
ZIP 20777 leads Montgomery County at 27/100, recomputed monthly from public records.
What market phase is Montgomery County in?
Montgomery County currently sits in peak, with values up 1.6% year on year, based on FHFA price-index trajectory.
What are the sources behind these Montgomery County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 53 Montgomery County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montgomery County ZIP codes?
A single county score papers over real variation. Across the Montgomery County ZIPs DLRadar ranks, scores run from 27/100 in 20777 down to 20/100 in 20832, against a Montgomery County average of 20/100. A spread of 7 points means Montgomery County has to be worked ZIP by ZIP.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $722,478 of value against a median household income near $136,415. Vacancy across Montgomery County's tracked ZIPs runs 3.9% and the poverty rate is 5.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Montgomery County's foreclosure and lien filings and its 46/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.