ZIP 20646 Property Distress & Foreclosure Data

DLRadar grades ZIP 20646 (Charles County, Maryland) at a low 22/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (66/100)). Property-level stress concentrates in construction/permit lag (87/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). Structural risk reads 51/100 against active distress of 2/100.

The peak-phase market in 20646 posted values that rose 2.8% over the year, and 12% higher over three years, at 32/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $450,200, an affordability ratio of 3.4× — accessible. Vacancy runs 7.3%. Population is roughly 21,601 with a median age of 43. DLRadar's demographic-stress index for the area reads 25/100. Owners hold 85% of homes, renters 15%. Rent burden reaches 30% of tenant households. There are about 8,332 housing units across 20646. 4.0% of residents fall below the poverty threshold. Median household income is $130,008, above the U.S. median near $78,000. Educational attainment sits at 33% bachelor's-or-above.

Broadly, 20646 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.