ZIP 21102 Property Distress & Foreclosure Data

ZIP code 21102 in Carroll County, Maryland carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (74/100), flood (NFIP) exposure (71/100)). What sets it apart are the readings on structural risk (40/100), construction/permit lag (17/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Structural exposure scores 40 and live distress 2 on the 0–100 scale.

The peak-phase market in 21102 posted values that rose 2.8% over the year, and 17% 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 $392,800, an affordability ratio of 3.1× — accessible. Owners hold 89% of homes, renters 11%. Population is roughly 12,176 with a median age of 45. There are about 4,511 housing units across 21102. 4.1% of residents fall below the poverty threshold. Median household income is $119,535, above the U.S. median near $78,000. Vacancy runs 1.4%. Rent burden reaches 63% of tenant households. Educational attainment sits at 32% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100.

Broadly, 21102 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.