Somerset County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Somerset County, MD distress report, 2026: 11 ZIPs scored in Somerset, MD, Somerset, MD average 24/100; the top Somerset, MD ZIP is 21817 at 25/100; Somerset, MD market phase peak, Somerset, MD prices +2.7% year over year.
- Somerset, MD ranks #485 nationally (opportunity index); Somerset, MD #2 in Maryland; Somerset, MD index 33.5.
- Somerset, MD: no CFPB county sample; Somerset, MD state reading 1.1%.
- Somerset, MD ZIP phases: 11 peak.
- Somerset, MD residential listings tracked: 37 across 9 ZIPs; Somerset, MD candidate listings 22.
- Somerset, MD HUD assisted properties: 6 with 239 units.
- Somerset, MD lenders on watch: 1; largest Somerset, MD footprint Hebron Savings Bank (2 branches).
- Somerset, MD most distressed ZIP: 21817 at 25/100.
Somerset, MD figures: DLRadar distress index; Somerset, MD inputs: CFPB, FHFA, HUD, FDIC; Somerset, MD rebuilt as sources refresh.
| Rank | Somerset, MD ZIP | Score |
|---|---|---|
| 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 | 23/100 |
| 11 | 21822 | 21/100 |
Most distressed Somerset, MD ZIPs (0-100, 2026)
Mortgage delinquency around Somerset, MD
No CFPB county sample covers Somerset, MD; the state reading for Somerset, MD: 1.1% ninety-plus; Somerset, MD area thirty-to-eighty-nine 2.3% (December 2025, Somerset, MD).
Opportunity index: Somerset, MD
Somerset, MD index 33.5, Somerset, MD phase peak_opportunity; Somerset, MD primary driver vacancy, Somerset, MD second driver construction. Somerset, MD components: property stress 19.4, foreclosure pressure 19.7, listing discounts 34.6, bank stress 46.8, insurance 0.0; Somerset, MD pulse 36.9; Somerset, MD capital opportunity 28.4; Somerset, MD seven-day change +0.2%.
ZIP market phases inside Somerset, MD
11 Somerset, MD ZIPs carry a price-cycle phase; Somerset, MD ZIPs by phase (Somerset, MD), deepest drawdown first: peak, +2.7% YoY, 1.3% off peak (Somerset, MD): 21817, 21821, 21824, 21838, Somerset, MD 21853, 21866, 21867, 21871, Somerset, MD 21890; peak, +2.4% YoY, 1.0% off peak (Somerset, MD): 21822; peak, +1.8% YoY, 0.3% off peak (Somerset, MD): 21851.
Residential listings by Somerset, MD ZIP
Somerset, MD ZIPs with the most tracked Somerset, MD residential listings: 21817 15 listings, 8 candidates, bank pressure 57; 21853 12 listings, 6 candidates, bank pressure 57; 21821 3 listings, 3 candidates, bank pressure 57; 21838 3 listings, 2 candidates, bank pressure 57 (Somerset, MD); 21871 3 listings, 3 candidates, bank pressure 57; 21824 1 listings, 0 candidates, bank pressure 57; 21866 0 listings, 0 candidates, bank pressure 57; 21867 0 listings, 0 candidates, bank pressure 57. Somerset, MD totals: 37 listings; Somerset, MD candidates 22; active ZIPs 1.
HUD assisted housing in Somerset, MD
6 assisted properties with 239 units sit in Somerset, MD; largest Somerset, MD properties: Reserve At Somerset Commons (Princess Anne) 75 units; Samuel Chase Apartments (Princess Anne) 60 units; Reserve At Somerset Commons Ii (Princess Anne) 54 units in Somerset, MD; Hickory Lane One (Princess Anne) 20 units, 20 assisted; Loretta Village I (Princess Anne) 20 units, 20 assisted; Loretta Village Ii (Princess Anne) 10 units, 10 assisted.
Lenders with branches in Somerset, MD
Somerset, MD lenders by branch count: Hebron Savings Bank (Somerset, MD): stress 47, 2 branches low in Somerset, MD.
Vacancy and permits, Somerset, MD
2,580 of 10,928 Somerset, MD housing units are vacant; Somerset, MD permits, twelve months: 0 multifamily units in Somerset, MD, 27 one-to-four unit units.
Work Somerset, MD at the parcel level
Every Somerset, MD parcel carries owner and address; every Somerset, MD parcel carries APN; Somerset, MD distress scores sit on the Somerset, MD live board.
Somerset, MD figures refresh with each source.
Somerset, MD questions
Most distressed ZIP code in Somerset County, MD?
ZIP 21817 leads Somerset, MD at 25/100; next in Somerset, MD: 21821 at 25/100; the Somerset, MD average is 24/100.
Where does Somerset County, MD rank for investment opportunity?
Somerset, MD is #485 among all ranked counties, #2 in Maryland; the Somerset, MD driver is vacancy; Somerset, MD moved up 226 places.
How many mortgages are delinquent in Somerset County, MD?
Somerset, MD takes the state reading of 1.1% for December 2025; no CFPB county sample covers Somerset, MD.
Which banks lend in Somerset County, MD?
1 watched lenders hold Somerset, MD branches; the largest Somerset, MD footprints are Hebron Savings Bank (2).
More on Somerset, MD
Somerset County, MD distress report: public-record figures for Somerset, MD; not legal advice for Somerset, MD; not tax or investment advice; verify every Somerset, MD record before acting.