St. Mary's County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Mary's County, Maryland? DLRadar grades every St. Mary's County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 St. Mary's County breakdown.
- St. Mary's County's most distressed ZIP is 20622 at 22/100.
- 27 ZIP codes tracked in St. Mary's County, averaging 20/100 distress.
- St. Mary's County reads contraction — home values down 0.8% year over year, 0.8% off peak.
- Vacancy runs 18% across St. Mary's County's tracked ZIPs, with a 10.8% poverty rate.
- The typical St. Mary's County home is worth about $446,733 against a ~$119,717 median income.
- Lending headwind in St. Mary's 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 | 20622 | 22/100 |
| 2 | 20606 | 20/100 |
| 3 | 20609 | 20/100 |
| 4 | 20618 | 20/100 |
| 5 | 20619 | 20/100 |
| 6 | 20620 | 20/100 |
| 7 | 20621 | 20/100 |
| 8 | 20624 | 20/100 |
| 9 | 20626 | 20/100 |
| 10 | 20628 | 20/100 |
| 11 | 20630 | 20/100 |
| 12 | 20634 | 20/100 |
Most distressed ZIP codes in St. Mary's County (composite distress 0-100, 2026)
What is driving St. Mary's County distress
DLRadar builds St. Mary's 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.
St. Mary's County market phase and pricing
The cycle in St. Mary's County is contraction, with values down 0.8% year over year and 0.8% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
Where is distress highest inside St. Mary's County, MD?
ZIP 20622 leads St. Mary's County at 22/100, recomputed monthly from public records.
How would you describe the St. Mary's County market phase?
St. Mary's County is classified contraction with a 0.8% year-over-year drop, following the FHFA House Price Index.
What is this St. Mary's County analysis built from?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 27 ZIP codes in St. Mary's County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between St. Mary's County ZIP codes?
County-level numbers smooth away the detail that matters. Across the St. Mary's County ZIPs DLRadar ranks, scores run from 22/100 in 20622 down to 20/100 in 20634, against a St. Mary's County average of 20/100. Those 2 points separate the ZIPs worth working in St. Mary's County from the rest.
What do St. Mary's County home values and vacancy say about distressed supply?
The typical St. Mary's County home carries about $446,733 of value against a median household income near $119,717. Vacancy across St. Mary's County's tracked ZIPs runs 18% and the poverty rate is 10.8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with St. Mary's County's filings and its 46/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.