St. Mary's County, MD: Foreclosures, Tax Liens & Distressed Properties

St. Mary's County, MD, Maryland: 27 ZIP codes scored, St. Mary's County, MD averaging 21/100 (low, St. Mary's, MD), from 21 to 22. St. Mary's County, MD is in its contraction phase (St. Mary's, MD confidence 41/100): St. Mary's, MD home prices down 0.8% (St. Mary's, MD) over twelve months. St. Mary's County, MD lender headwind: 46/100.

Highest-scoring St. Mary's County, MD ZIPs: 20622 (22/100), 20606 (21/100), 20609 (21/100), 20618 (21/100), 20619 (21/100), 20620 (21/100). Also scored in St. Mary's County, MD: 20621, 20624, 20626, 20628, 20630, 20634, 20636, 20650, 20653, 20656.

Across St. Mary's County, MD's scored ZIPs: median home value $446,733, household income $119,717, 18.0% vacancy, 10.8% poverty, 80% owner-occupied, median age 44.7.

St. Mary's County, MD insurance distress 22/100 (#2,058 in the US); FEMA hazard 0/100 for St. Mary's, MD; 2 federal disaster declarations in St. Mary's County, MD since 2023; 4 St. Mary's, MD NFIP flood claims, $27K paid; St. Mary's, MD construction distress 83/100.

7 banks with 13 branches lend in St. Mary's County, MD; St. Mary's, MD weighted bank stress 59/100, highest 71/100 in St. Mary's, MD.

St. Mary's County, MD unemployment 3.7% (St. Mary's, MD -0.5 pts, six months); 201 new housing units permitted in St. Mary's County, MD over twelve months, St. Mary's, MD down 33% from 298; St. Mary's, MD home prices +7.2% a year (St. Mary's, MD) over three years.

46,385 housing units in St. Mary's County, MD; 11,418 St. Mary's, MD renter households; 42% of St. Mary's, MD renters spend 30%+ of income on rent, 22% (St. Mary's, MD) half or more.

St. Mary's County, MD ranks #1,905 nationally on the opportunity index (St. Mary's, MD, among all ranked counties); St. Mary's, MD scores 28.0/100 and St. Mary's, MD sits #12 inside Maryland. St. Mary's, MD is in the early_signal opportunity phase; St. Mary's, MD's primary driver is construction, St. Mary's, MD second driver bank institutional; St. Mary's, MD moved up 232 places. 13 short-sale listings across St. Mary's, MD; 82 days on market observed in St. Mary's, MD; 8.7% vacancy over 27 St. Mary's, MD ZIPs.

1.4% of St. Mary's County, MD mortgages were ninety-plus days late in December 2025; St. Mary's, MD's thirty-to-eighty-nine-day share was 2.6% (CFPB county sample). St. Mary's, MD's ninety-day rate is up 0.4 points on twelve months earlier; the St. Mary's, MD peak since 2008 was 3.8% in December 2011; Maryland overall reads 1.1%.

St. Mary's County, MD has 1 watched bank; 1 St. Mary's, MD bank sits in an elevated band. St. Mary's, MD footprints: Shore United Bank Na (3 branches, stress 61) in St. Mary's, MD.

HUD lists 14 assisted multifamily properties in St. Mary's County, MD with 2,008 units; 135 St. Mary's, MD units are assisted, 2 St. Mary's, MD properties under project-based Section 8.

3,949 of the 46,385 housing units in St. Mary's, MD sit vacant. St. Mary's County, MD permitted 29 multifamily units in twelve months; St. Mary's, MD's one-to-four unit structures added 172 units in St. Mary's County, MD.