ZIP 20723 Property Distress & Foreclosure Data

Composite property distress in 20723 (Howard County, Maryland) lands at 24/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (68/100). The sharpest non-environmental signals are construction/permit lag (71/100), structural risk (55/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. Structural risk reads 55/100 against active distress of 2/100.

The market reads peak — home values rose 2.8% year on year, and 20% higher over three years, at 30/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 3.9%. The typical home is worth about $525,400 (3.9× income, relatively affordable). At $129,870, median income runs above typical U.S. levels. Rent burden reaches 28% of tenant households. 70% of housing is owner-occupied. There are about 12,823 housing units across 20723. About 36,319 people live here, median age 37. The demographic-stress sub-score lands at 25/100. Around 60% of adults hold a bachelor's degree or higher. The poverty rate is 3.2% — low.

Overall 20723 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.