ZIP 21046 Property Distress & Foreclosure Data

DLRadar grades ZIP 21046 (Howard County, Maryland) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (71/100), structural risk (55/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (6/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 55/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 21% 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 $126,549 — above the roughly $78,000 national figure. On demographic stress specifically, 21046 scores 26/100. The vacancy rate is 4.1%. Around 31% of renters are cost-burdened. The ZIP holds roughly 6,382 housing units. About 62% have a four-year degree. Roughly 8.4% live below the poverty line. 15,433 residents call 21046 home, typically aged 38. A median home runs $479,500 here, or 3.7 times local income. The tenure split is 63% owner-occupied to 37% rented.

On balance, 21046 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.