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

Carroll County, MD, Maryland: 15 ZIP codes scored, Carroll County, MD averaging 21/100 (low, Carroll, MD), from 18 to 26. Carroll County, MD is in its peak phase (Carroll, MD confidence 21/100): Carroll, MD home prices up 2.2% (Carroll, MD) over twelve months. Carroll County, MD lender headwind: 47/100.

Highest-scoring Carroll County, MD ZIPs: 21104 (26/100), 21797 (26/100), 21771 (23/100), 21784 (23/100), 21136 (22/100), 21791 (22/100). Also scored in Carroll County, MD: 21155, 21757, 21776, 21787, 21048, 21074, 21102, 21157, 21158.

Across Carroll County, MD's scored ZIPs: median home value $471,107, household income $122,950, 3.8% vacancy, 5.1% poverty, 86% owner-occupied, median age 42.3.

Carroll County, MD insurance distress 21/100 (#2,094 in the US); FEMA hazard 0/100 for Carroll, MD; 2 federal disaster declarations in Carroll County, MD since 2023; 5 Carroll, MD NFIP flood claims, $11K paid; Carroll, MD construction distress 49/100.

10 banks with 38 branches lend in Carroll County, MD; Carroll, MD weighted bank stress 60/100, highest 74/100 in Carroll, MD.

Carroll County, MD unemployment 3.0% (Carroll, MD -1.0 pts, six months); 200 new housing units permitted in Carroll County, MD over twelve months, Carroll, MD up 14% from 176; Carroll, MD home prices +8.3% a year (Carroll, MD) over three years.

66,768 housing units in Carroll County, MD; 10,250 Carroll, MD renter households; 44% of Carroll, MD renters spend 30%+ of income on rent, 22% (Carroll, MD) half or more.

Carroll County, MD ranks #3,071 nationally on the opportunity index (Carroll, MD, among all ranked counties); Carroll, MD scores 22.4/100 and Carroll, MD sits #23 inside Maryland. Carroll, MD is in the weak opportunity phase; Carroll, MD's primary driver is bank institutional, Carroll, MD second driver construction; Carroll, MD moved down 3 places. 30 short-sale listings across Carroll, MD; 82 days on market observed in Carroll, MD; 4.0% vacancy over 15 Carroll, MD ZIPs.

0.4% of Carroll County, MD mortgages were ninety-plus days late in December 2025; Carroll, MD's thirty-to-eighty-nine-day share was 1.8% (CFPB county sample). Carroll, MD's ninety-day rate is down 0.2 points on twelve months earlier; the Carroll, MD peak since 2008 was 4.0% in January 2010; Maryland overall reads 1.1%.

Carroll County, MD has 1 watched bank; 1 Carroll, MD bank sits in an elevated band. Carroll, MD footprints: Farmers&Merchants Bank (5 branches, stress 74) in Carroll, MD.

HUD lists 7 assisted multifamily properties in Carroll County, MD with 395 units; 202 Carroll, MD units are assisted, 2 Carroll, MD properties under project-based Section 8.

2,483 of the 66,768 housing units in Carroll, MD sit vacant. Carroll County, MD permitted 30 multifamily units in twelve months; Carroll, MD's one-to-four unit structures added 170 units in Carroll County, MD.