ZIP 21078 Property Distress & Foreclosure Data

DLRadar grades ZIP 21078 (Harford County, Maryland) at a low 25/100 for overall property distress. Structural risk reads 59/100 against active distress of 2/100. Environmental exposure also runs high (flood (NFIP) exposure (83/100), climate & FEMA risk (78/100)). Property-level stress concentrates in construction/permit lag (77/100), structural risk (59/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100).

The peak-phase market in 21078 posted values that rose 2.8% over the year, and 15% higher over three years, at 30/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $385,600, an affordability ratio of 3.3× — accessible. Vacancy runs 5.1%. Owners hold 77% of homes, renters 23%. Rent burden reaches 32% of tenant households. There are about 8,869 housing units across 21078. Educational attainment sits at 41% bachelor's-or-above. Median household income is $109,451, above the U.S. median near $78,000. 9.2% of residents fall below the poverty threshold. Population is roughly 20,002 with a median age of 47. DLRadar's demographic-stress index for the area reads 26/100.

On balance 21078 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.