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

Charles County, MD, Maryland: 25 ZIP codes scored, Charles County, MD averaging 22/100 (low, Charles, MD), from 21 to 26. Charles County, MD is in its peak phase (Charles, MD confidence 20/100): Charles, MD home prices up 1.6% (Charles, MD) over twelve months. Charles County, MD lender headwind: 44/100.

Highest-scoring Charles County, MD ZIPs: 20607 (26/100), 20613 (25/100), 20601 (22/100), 20602 (22/100), 20603 (22/100), 20611 (22/100). Also scored in Charles County, MD: 20612, 20616, 20617, 20622, 20625, 20632, 20637, 20640, 20645, 20646.

Across Charles County, MD's scored ZIPs: median home value $444,700, household income $125,578, 5.9% vacancy, 7.6% poverty, 88% owner-occupied, median age 43.9.

Charles County, MD insurance distress 21/100 (#2,083 in the US); FEMA hazard 0/100 for Charles, MD; 2 federal disaster declarations in Charles County, MD since 2023; 4 Charles, MD NFIP flood claims, $19K paid; Charles, MD construction distress 96/100.

8 banks with 18 branches lend in Charles County, MD; Charles, MD weighted bank stress 59/100, highest 71/100 in Charles, MD.

Charles County, MD unemployment 4.6% (Charles, MD -0.6 pts, six months); 561 new housing units permitted in Charles County, MD over twelve months, Charles, MD down 47% from 1,049; Charles, MD home prices +7.2% a year (Charles, MD) over three years.

63,813 housing units in Charles County, MD; 11,299 Charles, MD renter households; 41% of Charles, MD renters spend 30%+ of income on rent, 21% (Charles, MD) half or more.

Charles County, MD ranks #2,142 nationally on the opportunity index (Charles, MD, among all ranked counties); Charles, MD scores 27.2/100 and Charles, MD sits #13 inside Maryland. Charles, MD is in the weak opportunity phase; Charles, MD's primary driver is construction, Charles, MD second driver bank institutional; Charles, MD moved up 669 places. 121 short-sale listings across Charles, MD; 89 days on market observed in Charles, MD; 4.3% vacancy over 25 Charles, MD ZIPs.

1.7% of Charles County, MD mortgages were ninety-plus days late in December 2025; Charles, MD's thirty-to-eighty-nine-day share was 4.3% (CFPB county sample). Charles, MD's ninety-day rate is up 0.4 points on twelve months earlier; the Charles, MD peak since 2008 was 7.6% in November 2010; Maryland overall reads 1.1%.

Charles County, MD has 1 watched bank; 1 Charles, MD bank sits in an elevated band. Charles, MD footprints: Shore United Bank Na (4 branches, stress 61) in Charles, MD.

HUD lists 12 assisted multifamily properties in Charles County, MD with 896 units; 470 Charles, MD units are assisted, 4 Charles, MD properties under project-based Section 8.

2,938 of the 63,813 housing units in Charles, MD sit vacant. Charles County, MD permitted 0 multifamily units in twelve months; Charles, MD's one-to-four unit structures added 561 units in Charles County, MD.