St. Mary's County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Mary's County, MD distress report, 2026: 27 ZIPs scored in St. Mary's, MD, St. Mary's, MD average 21/100; the top St. Mary's, MD ZIP is 20622 at 22/100; St. Mary's, MD market phase contraction, St. Mary's, MD prices -0.8% year over year.
- St. Mary's, MD ranks #1,919 nationally (opportunity index); St. Mary's, MD #12 in Maryland; St. Mary's, MD index 28.0.
- St. Mary's, MD ninety-day mortgage delinquency 1.4% in December 2025; St. Mary's, MD twelve-month change +0.4%.
- St. Mary's, MD ZIP phases: 26 contraction, 1 peak.
- St. Mary's, MD residential listings tracked: 45 across 26 ZIPs; St. Mary's, MD candidate listings 12.
- St. Mary's, MD HUD assisted properties: 14 with 2,008 units.
- St. Mary's, MD lenders on watch: 1; largest St. Mary's, MD footprint Shore United Bank Na (3 branches).
- St. Mary's, MD most distressed ZIP: 20622 at 22/100.
St. Mary's, MD figures: DLRadar distress index; St. Mary's, MD inputs: CFPB, FHFA, HUD, FDIC; St. Mary's, MD rebuilt as sources refresh.
| Rank | St. Mary's, MD ZIP | Score |
|---|---|---|
| 1 | 20622 | 22/100 |
| 2 | 20606 | 21/100 |
| 3 | 20609 | 21/100 |
| 4 | 20618 | 21/100 |
| 5 | 20619 | 21/100 |
| 6 | 20620 | 21/100 |
| 7 | 20621 | 21/100 |
| 8 | 20624 | 21/100 |
| 9 | 20626 | 21/100 |
| 10 | 20628 | 21/100 |
| 11 | 20630 | 21/100 |
| 12 | 20634 | 21/100 |
Most distressed St. Mary's, MD ZIPs (0-100, 2026)
Mortgage delinquency in St. Mary's, MD
1.4% of St. Mary's, MD mortgages were ninety-plus days late (St. Mary's, MD, December 2025); St. Mary's, MD thirty-to-eighty-nine days late: 2.6%; St. Mary's, MD twelve-month change +0.4%; St. Mary's, MD peak since 2008: 3.8% (December 2011); Maryland overall 1.1%. St. Mary's, MD ninety-day series: Dec 24 1.0, Jan 25 0.6, Feb 25 0.9 (St. Mary's, MD), Mar 25 1.2, Apr 25 1.2, May 25 1.2 (St. Mary's, MD), Jun 25 0.8, Jul 25 1.1, Aug 25 1.1 (St. Mary's, MD), Sep 25 1.0, Oct 25 1.0, Nov 25 0.9 (St. Mary's, MD), Dec 25 1.4.
Opportunity index: St. Mary's, MD
St. Mary's, MD index 28.0, St. Mary's, MD phase early_signal; St. Mary's, MD primary driver construction, St. Mary's, MD second driver bank institutional. St. Mary's, MD components: property stress 12.8, foreclosure pressure 10.4, listing discounts 30.1, bank stress 53.7, insurance 0.0; St. Mary's, MD pulse 30.7; St. Mary's, MD capital opportunity 23.9.
ZIP market phases inside St. Mary's, MD
27 St. Mary's, MD ZIPs carry a price-cycle phase; St. Mary's, MD ZIPs by phase (St. Mary's, MD), deepest drawdown first: contraction, -0.8% YoY, 0.8% off peak (St. Mary's, MD): 20606, 20609, 20618, 20619, St. Mary's, MD 20620, 20621, 20624, 20626, St. Mary's, MD 20628, 20630, 20634, 20636, St. Mary's, MD 20650, 20653, 20656, 20660.
Residential listings by St. Mary's, MD ZIP
St. Mary's, MD ZIPs with the most tracked St. Mary's, MD residential listings: 20653 16 listings, 2 candidates, bank pressure 60; 20650 6 listings, 3 candidates, bank pressure 60; 20636 5 listings, 3 candidates, bank pressure 60; 20634 4 listings, 2 candidates, bank pressure 60 (St. Mary's, MD); 20609 3 listings, 0 candidates, bank pressure 60; 20618 3 listings, 1 candidates, bank pressure 60; 20621 3 listings, 0 candidates, bank pressure 60; 20659 3 listings, 1 candidates, bank pressure 60. St. Mary's, MD totals: 45 listings; St. Mary's, MD candidates 12; active ZIPs 10.
HUD assisted housing in St. Mary's, MD
14 assisted properties with 2,008 units sit in St. Mary's, MD; largest St. Mary's, MD properties: Abberly Crest (Lexington Park) 252 units; Abberly Crest Phase Ii (Lexington Park) 240 units; Piney Point (California) 229 units in St. Mary's, MD; River Bay Townhomes (Lexington Park) 173 units; Abberly Crest Apartments Phase Iii (Lexington Park) 158 units; Saxon Woods (California) 136 units.
Lenders with branches in St. Mary's, MD
St. Mary's, MD lenders by branch count: Shore United Bank Na (St. Mary's, MD): stress 61, 3 branches low in St. Mary's, MD.
Vacancy and permits, St. Mary's, MD
3,949 of 46,385 St. Mary's, MD housing units are vacant; St. Mary's, MD permits, twelve months: 29 multifamily units in St. Mary's, MD, 172 one-to-four unit units.
Work St. Mary's, MD at the parcel level
Every St. Mary's, MD parcel carries owner and address; every St. Mary's, MD parcel carries APN; St. Mary's, MD distress scores sit on the St. Mary's, MD live board.
St. Mary's, MD figures refresh with each source.
St. Mary's, MD questions
Most distressed ZIP code in St. Mary's County, MD?
ZIP 20622 leads St. Mary's, MD at 22/100; next in St. Mary's, MD: 20606 at 21/100; the St. Mary's, MD average is 21/100.
Where does St. Mary's County, MD rank for investment opportunity?
St. Mary's, MD is #1,919 among all ranked counties, #12 in Maryland; the St. Mary's, MD driver is construction; St. Mary's, MD moved up 228 places.
How many mortgages are delinquent in St. Mary's County, MD?
1.4% of St. Mary's, MD mortgages were ninety-plus days late in December 2025; the St. Mary's, MD peak since 2008 was 3.8%.
Which banks lend in St. Mary's County, MD?
1 watched lenders hold St. Mary's, MD branches; the largest St. Mary's, MD footprints are Shore United Bank Na (3).
More on St. Mary's, MD
St. Mary's County, MD distress report: public-record figures for St. Mary's, MD; not legal advice for St. Mary's, MD; not tax or investment advice; verify every St. Mary's, MD record before acting.