Somerset County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Somerset County, Maryland? DLRadar grades every Somerset County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Somerset County breakdown.
- Somerset County's most distressed ZIP is 21817 at 25/100.
- 11 ZIP codes tracked in Somerset County, averaging 25/100 distress.
- Somerset County reads peak — home values up 2.7% year over year, 1.3% off peak.
- Vacancy runs 28.6% across Somerset County's tracked ZIPs, with a 20.7% poverty rate.
- The typical Somerset County home is worth about $190,689 against a ~$54,327 median income.
- Lending headwind in Somerset County sits at 30/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21817 | 25/100 |
| 2 | 21821 | 25/100 |
| 3 | 21824 | 25/100 |
| 4 | 21838 | 25/100 |
| 5 | 21853 | 25/100 |
| 6 | 21866 | 25/100 |
| 7 | 21867 | 25/100 |
| 8 | 21871 | 25/100 |
| 9 | 21890 | 25/100 |
| 10 | 21851 | 24/100 |
| 11 | 21822 | 22/100 |
Most distressed ZIP codes in Somerset County (composite distress 0-100, 2026)
What is driving Somerset County distress
Somerset County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 25/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Somerset County market phase and pricing
Somerset County currently sits in peak after a 2.7% gain in the past twelve months, 1.3% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Somerset County
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Frequently asked
Where is distress highest inside Somerset County, MD?
ZIP 21817 leads Somerset County at 25/100, recomputed monthly from public records.
What stage of the price cycle is Somerset County at?
Somerset County is classified peak with a 2.7% year-over-year increase, following the FHFA House Price Index.
Where does the Somerset County data come from?
Somerset County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Somerset County ZIP codes?
A single county score papers over real variation. Across the Somerset County ZIPs DLRadar ranks, scores run from 25/100 in 21817 down to 22/100 in 21822, against a Somerset County average of 25/100. The 3-point range is the argument for ZIP-level search across Somerset County.
What do Somerset County home values and vacancy say about distressed supply?
The typical Somerset County home carries about $190,689 of value against a median household income near $54,327. Vacancy across Somerset County's tracked ZIPs runs 28.6% and the poverty rate is 20.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Somerset County's foreclosure and lien data and its 30/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.