ZIP 21028 Property Distress & Foreclosure Data

DLRadar grades ZIP 21028 (Harford County, Maryland) at a low 25/100 for overall property distress. Property-level stress concentrates in construction/permit lag (77/100), structural risk (59/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. The latent-versus-live split is 59/100 structural and 2/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 31% higher over three years (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $512,400 here, or 3.6 times local income. Roughly 2.2% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $133,583 — above the roughly $78,000 national figure. Around 62% of renters are cost-burdened. The ZIP holds roughly 1,134 housing units. About 50% have a four-year degree. On demographic stress specifically, 21028 scores 29/100. The tenure split is 85% owner-occupied to 15% rented. 2,872 residents call 21028 home, typically aged 44. The vacancy rate is 12.6% — elevated.

Taken together, 21028 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.