Maryland County Foreclosure & Distress Reports (2026)
One report per county — 23 in Maryland — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Maryland distress hub; insurance pressure is on the Maryland home-insurance page.
23 Maryland county reports sit in this archive; Maryland opportunity phases run 12 weak, 7 early_signal, 3 watchlist; Maryland ninety-day delinquency 1.1%; 27 banks chartered in Maryland; 70,264 HUD-assisted Maryland units.
Maryland counties to open first by opportunity rank: Allegany (#421, peak_opportunity); Somerset (#478, peak_opportunity); Worcester (#651, watchlist) in Maryland; Garrett (#866, watchlist); Baltimore (#1,072, watchlist); Talbot (#1,182, early_signal).
Maryland insurance bands across counties: 24 low in Maryland; Maryland NFIP claims 578 in three years.
Maryland counties in the peak phase (19): Allegany, Anne Arundel, Baltimore, Baltimore, Carroll, Cecil (Maryland), Charles, Dorchester, Frederick, Harford, Howard, Montgomery (Maryland), Prince George's, Queen Anne's, Somerset, Talbot, Washington, Wicomico (Maryland), Worcester.
Maryland counties in the expansion phase (3): Caroline, Garrett, Kent.
Maryland counties in the contraction phase (2): Calvert, St. Mary's.
Maryland permitted 13,400 housing units in twelve months; 197,856 Maryland units sit vacant of 2,560,784.
Maryland counties highest on the national opportunity index: Allegany #421 (33.8/100, peak_opportunity); Somerset #478 (33.5/100, peak_opportunity); Worcester #651 (32.6/100, watchlist) in Maryland; Garrett #866 (31.7/100, watchlist); Baltimore #1,072 (30.9/100, watchlist); Talbot #1,182 (30.5/100, early_signal) in Maryland; Kent #1,211 (30.4/100, early_signal); Queen Anne's #1,358 (29.9/100, early_signal); Dorchester #1,635 (28.9/100, early_signal) in Maryland; Calvert #1,749 (28.6/100, early_signal); Cecil #1,828 (28.3/100, early_signal); St. Mary's #1,904 (28.0/100, early_signal) in Maryland.
How the Maryland county reports are scored: each Maryland report reads its county's foreclosure filings, Maryland tax-lien and tax-deed records, FHA mortgage delinquency in Maryland (ninety-day rate 1.1%, December 2025), the FDIC stress of Maryland lenders (27 chartered in Maryland) and FEMA/NFIP pressure on Maryland (578 NFIP claims, three years), then scores every Maryland ZIP 0-100.
Allegany County leads Maryland on the opportunity index at #421 nationally with 16 scored ZIPs. Every Maryland report is rebuilt monthly from public records; a Maryland county whose data lapses keeps its Maryland page and says so.