ZIP 21044 Property Distress & Foreclosure Data

ZIP code 21044 in Howard County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (68/100). On the structural side it scores 55/100, with 2/100 of stress already active.

The market reads peak — home values rose 2.8% year on year, and 13% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 7.1% — low. The demographic-stress sub-score lands at 27/100. The ZIP holds roughly 19,811 housing units. Around 67% of adults hold a bachelor's degree or higher. The typical home is worth about $566,500 (4.1× income). 61% of housing is owner-occupied. Around 34% of renters are cost-burdened. The vacancy rate is 7.0%. At $132,924, median income runs above typical U.S. levels. About 44,775 people live here, median age 40.

Overall 21044 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.