Caroline County, MD: Foreclosures, Tax Liens & Distressed Properties

Caroline County, MD, Maryland: 10 ZIP codes scored, Caroline County, MD averaging 15/100 (low, Caroline, MD), from 13 to 20. Caroline County, MD is in its expansion phase (Caroline, MD confidence 38/100): Caroline, MD home prices up 5.3% (Caroline, MD) over twelve months. Caroline County, MD lender headwind: 38/100.

Highest-scoring Caroline County, MD ZIPs: 21657 (20/100), 21649 (19/100), 21640 (18/100), 21632 (14/100), 21629 (13/100), 21636 (13/100). Also scored in Caroline County, MD: 21639, 21641, 21655, 21660.

Across Caroline County, MD's scored ZIPs: median home value $289,300, household income $70,572, 9.7% vacancy, 13.6% poverty, 76% owner-occupied, median age 42.2.

Caroline County, MD insurance distress 25/100 (#1,935 in the US); FEMA hazard 0/100 for Caroline, MD; 2 federal disaster declarations in Caroline County, MD since 2023; 3 Caroline, MD NFIP flood claims, $101K paid; Caroline, MD construction distress 19/100.

5 banks with 9 branches lend in Caroline County, MD; Caroline, MD weighted bank stress 63/100, highest 72/100 in Caroline, MD.

Caroline County, MD unemployment 3.6% (Caroline, MD -1.6 pts, six months); 74 new housing units permitted in Caroline County, MD over twelve months, Caroline, MD up 40% from 53; Caroline, MD home prices +9.1% a year (Caroline, MD) over three years.

13,531 housing units in Caroline County, MD; 3,428 Caroline, MD renter households; 51% of Caroline, MD renters spend 30%+ of income on rent, 21% (Caroline, MD) half or more.

Caroline County, MD ranks #2,538 nationally on the opportunity index (Caroline, MD, among all ranked counties); Caroline, MD scores 25.7/100 and Caroline, MD sits #16 inside Maryland. Caroline, MD is in the weak opportunity phase; Caroline, MD's primary driver is bank institutional, Caroline, MD second driver vacancy; Caroline, MD moved up 39 places. 12 short-sale listings across Caroline, MD; 93 days on market observed in Caroline, MD; 9.5% vacancy over 10 Caroline, MD ZIPs.

No CFPB county sample covers Caroline County, MD. The state reading for Caroline, MD: 1.1% ninety-plus days late; Caroline, MD's thirty-to-eighty-nine share is 2.3% (Caroline, MD, December 2025 data).

Caroline County, MD has 2 watched banks; 2 Caroline, MD banks sit in an elevated band. Caroline, MD footprints: Shore United Bank Na (2 branches, stress 61) in Caroline, MD; Queenstown Bank Of Maryland (1 branch, stress 72) in Caroline, MD.

HUD lists 1 assisted multifamily property in Caroline County, MD with 88 units.

1,036 of the 13,531 housing units in Caroline, MD sit vacant. Caroline County, MD permitted 4 multifamily units in twelve months; Caroline, MD's one-to-four unit structures added 70 units in Caroline County, MD.