Maryland Foreclosures, Tax Liens & Distressed Properties

DLRadar reads Maryland from the parcel up: foreclosure, tax, mortgage and lender records rolled into one score per ZIP. Phase-wise, Maryland counties run 19 peak, 3 expansion, 2 contraction. The dominant market phase statewide is peak (avg HPI +2.1% YoY). 24 counties and 477 ZIPs are tracked statewide, averaging 22/100.

Among the hardest-hit are Cecil County, Frederick County, Garrett County, Allegany County, Queen Anne's County.

The most-distressed Maryland ZIP codes are 21201 (30/100), 21202 (30/100), 21205 (30/100), 21211 (30/100), 21213 (30/100).

Distress and market phase, county by county in Maryland:

Allegany County: peak, up 1.6% on the year, headwind 49/100. Anne Arundel County is peak (values rising 2.2%, lender pressure 47/100). Baltimore County: peak, values rising 2.2%, bank stress 38/100. Calvert County reads contraction — homes -0.8% YoY, lender pressure 47/100. Caroline County — expansion, values rising 5.3%, a 38/100 lender reading. Carroll County sits in peak, homes +2.2% YoY, a 47/100 lender reading. Cecil County: peak, appreciation near 1.6%, headwind 54/100.

Charles County reads peak — homes +1.6% YoY, lender pressure 44/100. Dorchester County is peak (values rising 1.6%). In Frederick County, peak: values rising 1.6%, lender pressure 51/100. Garrett County reads expansion — appreciation near 5.3%, bank stress 50/100. Harford County sits in peak, prices up 2.2%, bank stress 42/100. Howard County — peak, up 2.2% on the year, bank stress 39/100. Kent County reads expansion — up 5.3% on the year.

In Montgomery County, peak: values rising 1.6%, lender pressure 46/100. DLRadar reads Prince George's County as peak — appreciation near 1.6%, bank stress 46/100. Queen Anne's County is peak (up 2.2% on the year, lender pressure 48/100). Somerset County: peak, up 2.7% on the year, down 1.3% from its high, lender pressure 30/100. St. Mary's County sits in contraction, prices down 0.8%, bank stress 46/100. Talbot County sits in peak, appreciation near 1.6%, lender pressure 16/100. Washington County: peak, little price movement, 2.9% off peak, headwind 47/100.

In Wicomico County, peak: homes +2.7% YoY, down 1.3% from its high, headwind 24/100. DLRadar reads Worcester County as peak — values rising 1.6%, lender pressure 30/100.

Maryland opportunity phases: 12 weak, 7 early_signal, 3 watchlist, 2 peak_opportunity; Maryland average index 27.5. Best-ranked Maryland counties: Allegany #419 (33.8), vacancy; Somerset #485 (33.5), vacancy; Worcester #647 (32.6), vacancy in Maryland; Garrett #857 (31.7), vacancy; Baltimore #1,061 (30.9), construction; Talbot #1,192 (30.5), vacancy.

Maryland mortgages ninety-plus days late: 1.1%; Maryland thirty-to-eighty-nine days late 2.3% (December 2025); 13 Maryland counties sit in the CFPB sample; highest Maryland county readings: Baltimore 2.4%, Prince George's 1.8%, Charles 1.7%, Washington 1.5%, St. Mary's 1.4%.

Maryland county unemployment averages 3.9% across 24 counties; Maryland permitted 13,400 housing units in twelve months (4,893 multifamily); 197,856 of 2,560,784 Maryland housing units are vacant; 760,808 Maryland renter households, 45.5% spending 30%+ of income on rent.

Maryland ZIP price-cycle phases: 625 peak, 278 expansion, 95 contraction, 24 neutral.