ZIP 21104 Property Distress & Foreclosure Data

DLRadar grades ZIP 21104 (Howard County, Maryland) at a low 22/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (77/100), flood (NFIP) exposure (70/100). Property-level stress concentrates in construction/permit lag (55/100), structural risk (50/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. Structural risk reads 50/100 against active distress of 2/100.

The market reads peak — home values rose 2.8% year on year, and 20% higher over three years, at 30/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 5,786 people live here, median age 46. The typical home is worth about $680,200 (3.3× income, relatively affordable). At $199,803, median income runs above typical U.S. levels. Vacancy runs 2.7%. Rent burden reaches 100% of tenant households. The demographic-stress sub-score lands at 31/100. 97% of housing is owner-occupied. Around 63% of adults hold a bachelor's degree or higher. There are about 2,204 housing units across 21104. The poverty rate is 2.5% — low.

Overall 21104 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.