ZIP 21045 Property Distress & Foreclosure Data

In Howard County, Maryland, ZIP 21045 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 55/100 against active distress of 2/100. Its standout signals are construction/permit lag (71/100), structural risk (55/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100). Environmental exposure also runs high (climate & FEMA risk (78/100), flood (NFIP) exposure (68/100)).

The peak-phase market in 21045 posted values that rose 2.8% over the year, and 14% higher over three years, at 30/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 15,780 housing units across 21045. Median household income is $117,323, above the U.S. median near $78,000. Home values center near $453,700, an affordability ratio of 3.7× — accessible. Rent burden reaches 39% of tenant households. Population is roughly 40,866 with a median age of 38. Educational attainment sits at 57% bachelor's-or-above. Vacancy runs 2.9%. 8.4% of residents fall below the poverty threshold. Owners hold 69% of homes, renters 31%. DLRadar's demographic-stress index for the area reads 27/100.

Broadly, 21045 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.