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

Somerset County, MD, Maryland: 11 ZIP codes scored, Somerset County, MD averaging 24/100 (low, Somerset, MD), from 21 to 25. Somerset County, MD is in its peak phase (Somerset, MD confidence 33/100): Somerset, MD home prices up 2.7% (Somerset, MD) over twelve months, 1.3% under their peak. Somerset County, MD lender headwind: 30/100.

Highest-scoring Somerset County, MD ZIPs: 21817 (25/100), 21821 (25/100), 21824 (25/100), 21838 (25/100), 21853 (25/100), 21866 (25/100). Also scored in Somerset County, MD: 21867, 21871, 21890, 21851, 21822.

Across Somerset County, MD's scored ZIPs: median home value $190,689, household income $54,327, 28.6% vacancy, 20.7% poverty, 82% owner-occupied, median age 46.6.

Somerset County, MD insurance distress 28/100 (#1,670 in the US); FEMA hazard 0/100 for Somerset, MD; 2 federal disaster declarations in Somerset County, MD since 2023; 19 Somerset, MD NFIP flood claims, $367K paid; Somerset, MD construction distress 99/100.

3 banks with 5 branches lend in Somerset County, MD; Somerset, MD weighted bank stress 56/100, highest 63/100 in Somerset, MD.

Somerset County, MD unemployment 4.4% (Somerset, MD -1.4 pts, six months); 27 new housing units permitted in Somerset County, MD over twelve months, Somerset, MD down 55% from 60; Somerset, MD home prices +9.1% a year (Somerset, MD) over three years.

10,928 housing units in Somerset County, MD; 2,586 Somerset, MD renter households; 48% of Somerset, MD renters spend 30%+ of income on rent, 26% (Somerset, MD) half or more.

Somerset County, MD ranks #491 nationally on the opportunity index (Somerset, MD, among all ranked counties); Somerset, MD scores 33.5/100 and Somerset, MD sits #2 inside Maryland. Somerset, MD is in the peak_opportunity opportunity phase; Somerset, MD's primary driver is vacancy, Somerset, MD second driver construction; Somerset, MD moved up 248 places. 13 short-sale listings across Somerset, MD; 84 days on market observed in Somerset, MD; 20.1% vacancy over 11 Somerset, MD ZIPs.

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

Somerset County, MD has 1 watched bank; 1 Somerset, MD bank sits in an elevated band. Somerset, MD footprints: Hebron Savings Bank (2 branches, stress 47) in Somerset, MD.

HUD lists 6 assisted multifamily properties in Somerset County, MD with 239 units; 50 Somerset, MD units are assisted.

2,580 of the 10,928 housing units in Somerset, MD sit vacant. Somerset County, MD permitted 0 multifamily units in twelve months; Somerset, MD's one-to-four unit structures added 27 units in Somerset County, MD.