Talbot County, MD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Talbot County, Maryland? DLRadar grades every Talbot County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Talbot County breakdown.
- Talbot County's most distressed ZIP is 21601 at 20/100.
- 16 ZIP codes tracked in Talbot County, averaging 20/100 distress.
- Talbot County reads peak — home values up 1.6% year over year.
- Vacancy runs 26.3% across Talbot County's tracked ZIPs, with a 8.7% poverty rate.
- The typical Talbot County home is worth about $574,663 against a ~$84,836 median income.
- Lending headwind in Talbot County sits at 16/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 21601 | 20/100 |
| 2 | 21612 | 20/100 |
| 3 | 21624 | 20/100 |
| 4 | 21625 | 20/100 |
| 5 | 21647 | 20/100 |
| 6 | 21652 | 20/100 |
| 7 | 21653 | 20/100 |
| 8 | 21654 | 20/100 |
| 9 | 21657 | 20/100 |
| 10 | 21662 | 20/100 |
| 11 | 21663 | 20/100 |
| 12 | 21665 | 20/100 |
Most distressed ZIP codes in Talbot County (composite distress 0-100, 2026)
What is driving Talbot County distress
Talbot County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 20/100 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.
Talbot County market phase and pricing
DLRadar places Talbot County in peak; prices moved up 1.6% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Talbot County
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Common questions
What is the most distressed ZIP code in Talbot County, MD?
ZIP 21601 leads Talbot County at 20/100, recomputed monthly from public records.
Where is Talbot County in the housing cycle?
Phase for Talbot County: peak, tracking a 1.6% gain year over year, read off the FHFA index.
What are the sources behind these Talbot County numbers?
Talbot 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 16 ZIPs are comparable to anywhere else.
How much do distress scores vary between Talbot County ZIP codes?
Averaging the county conceals how uneven it is. Across the Talbot County ZIPs DLRadar ranks, scores run from 20/100 in 21601 down to 20/100 in 21665, against a Talbot County average of 20/100. Because the gap runs to 0 points, Talbot County rewards ZIP-level precision.
What do Talbot County home values and vacancy say about distressed supply?
The typical Talbot County home carries about $574,663 of value against a median household income near $84,836. Vacancy across Talbot County's tracked ZIPs runs 26.3% and the poverty rate is 8.7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Talbot County's filings and its 16/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.