ZIP 20678 Property Distress & Foreclosure Data

DLRadar grades ZIP 20678 (Calvert County, Maryland) at a minimal 12/100 for overall property distress. Property-level stress concentrates in structural risk (27/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. On the structural side it scores 27/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (73/100).

The market reads peak — home values rose 4.6% year on year, 1.9% off the recent peak, and 10% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 9.1%. About 12,686 people live here, median age 39. At $118,288, median income runs above typical U.S. levels. 79% of housing is owner-occupied. Around 46% of renters are cost-burdened. The typical home is worth about $455,100 (3.6× income, relatively affordable). Around 30% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 5,183 housing units. The vacancy rate is 5.4%.

Overall 20678 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.