ZIP 20603 Property Distress & Foreclosure Data

ZIP code 20603 in Charles County, Maryland carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (87/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (66/100). The latent-versus-live split is 51/100 structural and 2/100 already moving.

The market reads peak — home values rose 2.8% year on year, and 10% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

At $137,138, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 26/100. The ZIP holds roughly 11,843 housing units. Around 37% of adults hold a bachelor's degree or higher. The poverty rate is 5.2% — low. The typical home is worth about $453,700 (3.1× income, relatively affordable). Around 38% of renters are cost-burdened. About 32,649 people live here, median age 39. The vacancy rate is 3.1%. 82% of housing is owner-occupied.

Overall 20603 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.