ZIP 20634 Property Distress & Foreclosure Data

St. Mary'S County, Maryland's ZIP 20634 registers 17/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (44/100), structural risk (40/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Environmental exposure also runs high (flood (NFIP) exposure (68/100)). On the structural side it scores 40/100, with 2/100 of stress already active.

The peak-phase market in 20634 posted values that rose 4.6% over the year, 1.9% off the recent peak, and 27% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $117,431, above the U.S. median near $78,000. Population is roughly 6,976 with a median age of 32. DLRadar's demographic-stress index for the area reads 26/100. Around 37% of renters are cost-burdened. 4.3% of residents fall below the poverty threshold. Educational attainment sits at 41% bachelor's-or-above. Home values center near $342,300, an affordability ratio of 2.9× — accessible. The ZIP holds roughly 3,026 housing units. The vacancy rate is 11.6% — elevated. Owners hold 68% of homes, renters 32%.

Broadly, 20634 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.