ZIP 20653 Property Distress & Foreclosure Data

ZIP code 20653 in St. Mary'S County, Maryland carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (68/100). What sets it apart are the readings on construction/permit lag (44/100), structural risk (40/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Structural risk reads 40/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, 1.9% off the recent peak, and 17% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 11,819 housing units across 20653. A median home runs $353,300 here, or 3.5 times local income. On demographic stress specifically, 20653 scores 32/100. The tenure split is 55% owner-occupied to 45% rented. Rent burden reaches 44% of tenant households. Roughly 13.7% live below the poverty line. 26,799 residents call 20653 home, typically aged 34. About 34% have a four-year degree. Vacancy runs 7.1%. Households earn a median $97,923 — above the roughly $78,000 national figure.

On balance, 20653 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.