ZIP 21040 Property Distress & Foreclosure Data

In Harford County, Maryland, ZIP 21040 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). On the structural side it scores 59/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (77/100), structural risk (59/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 19% higher over three years (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $86,925 — near the roughly $78,000 national figure. Around 46% of renters are cost-burdened. Roughly 10.9% live below the poverty line. The tenure split is 69% owner-occupied to 31% rented. About 23% have a four-year degree. The ZIP holds roughly 10,241 housing units. On demographic stress specifically, 21040 scores 29/100. A median home runs $238,000 here, or 2.7 times local income. 25,290 residents call 21040 home, typically aged 37. The vacancy rate is 3.3%.

Overall, 21040 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.