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

Howard County, MD, Maryland: 25 ZIP codes scored, Howard County, MD averaging 26/100 (low, Howard, MD), from 19 to 27. Howard County, MD is in its peak phase (Howard, MD confidence 21/100): Howard, MD home prices up 2.2% (Howard, MD) over twelve months. Howard County, MD lender headwind: 39/100.

Highest-scoring Howard County, MD ZIPs: 20723 (27/100), 20759 (27/100), 20763 (27/100), 20777 (27/100), 21029 (27/100), 21036 (27/100). Also scored in Howard County, MD: 21042, 21043, 21044, 21045, 21046, 21075, 21723, 21737, 21738, 21794.

Across Howard County, MD's scored ZIPs: median home value $689,817, household income $150,753, 2.6% vacancy, 4.7% poverty, 79% owner-occupied, median age 40.9.

Howard County, MD insurance distress 23/100 (#2,033 in the US); FEMA hazard 0/100 for Howard, MD; 2 federal disaster declarations in Howard County, MD since 2023; 11 Howard, MD NFIP flood claims, $22K paid; Howard, MD construction distress 97/100.

17 banks with 54 branches lend in Howard County, MD; Howard, MD weighted bank stress 59/100, highest 71/100 in Howard, MD.

Howard County, MD unemployment 3.4% (Howard, MD -0.8 pts, six months); 267 new housing units permitted in Howard County, MD over twelve months, Howard, MD down 75% from 1,052; Howard, MD home prices +8.6% a year (Howard, MD) over three years.

125,286 housing units in Howard County, MD; 33,966 Howard, MD renter households; 46% of Howard, MD renters spend 30%+ of income on rent, 22% (Howard, MD) half or more.

Howard County, MD ranks #2,748 nationally on the opportunity index (Howard, MD, among all ranked counties); Howard, MD scores 24.7/100 and Howard, MD sits #18 inside Maryland. Howard, MD is in the weak opportunity phase; Howard, MD's primary driver is construction, Howard, MD second driver bank institutional; Howard, MD moved up 79 places. 58 short-sale listings across Howard, MD; 90 days on market observed in Howard, MD; 3.5% vacancy over 25 Howard, MD ZIPs.

0.4% of Howard County, MD mortgages were ninety-plus days late in December 2025; Howard, MD's thirty-to-eighty-nine-day share was 1.2% (CFPB county sample). Howard, MD's ninety-day rate is unchanged on twelve months earlier; the Howard, MD peak since 2008 was 3.5% in January 2010; Maryland overall reads 1.1%.

Howard County, MD has 3 watched banks; 3 Howard, MD banks sit in an elevated band. Howard, MD footprints: Capital Bank National Assn (1 branch, stress 69) in Howard, MD; Shore United Bank Na (1 branch, stress 61) in Howard, MD; Eastern Savings Bank Fsb (1 branch, stress 6) in Howard, MD.

HUD lists 34 assisted multifamily properties in Howard County, MD with 3,344 units; 431 Howard, MD units are assisted, 5 Howard, MD properties under project-based Section 8.

4,221 of the 125,286 housing units in Howard, MD sit vacant. Howard County, MD permitted 0 multifamily units in twelve months; Howard, MD's one-to-four unit structures added 267 units in Howard County, MD.