ZIP 20777 Property Distress & Foreclosure Data

DLRadar grades ZIP 20777 (Howard County, Maryland) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (74/100), structural risk (56/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. On the structural side it scores 56/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (69/100).

The market reads peak — home values rose 2.8% year on year, and 21% higher over three years (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

At $218,808, median income runs above typical U.S. levels. The poverty rate is 4.6% — low. About 3,046 people live here, median age 46. Around 76% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 16/100. The typical home is worth about $861,900 (3.7× income, relatively affordable). Around 0% of renters are cost-burdened. The vacancy rate is 2.1%. The ZIP holds roughly 1,117 housing units. 97% of housing is owner-occupied.

Overall 20777 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.