ZIP 20854 Property Distress & Foreclosure Data

Composite property distress in 20854 (Montgomery County, Maryland) lands at 30/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (68/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted. On the structural side it scores 68/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (81/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 23% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 2.5% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 20854 scores 22/100. Households earn a median $250,001 — above the roughly $78,000 national figure. A median home runs $1,165,400 here, or 4.4 times local income. The ZIP holds roughly 17,311 housing units. About 86% have a four-year degree. The tenure split is 90% owner-occupied to 10% rented. The vacancy rate is 3.4%. Around 29% of renters are cost-burdened. 49,694 residents call 20854 home, typically aged 48.

Overall, 20854 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.