ZIP 21132 Property Distress & Foreclosure Data

Composite property distress in 21132 (Harford County, Maryland) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are 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). On the structural side it scores 59/100, with 2/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (83/100), climate & FEMA risk (78/100)).

The peak-phase market in 21132 posted values that rose 2.8% over the year, and 17% higher over three years (phase confidence 30/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 35/100. 4.5% of residents fall below the poverty threshold. The ZIP holds roughly 1,180 housing units. Around 100% of renters are cost-burdened. Median household income is $150,119, above the U.S. median near $78,000. Home values center near $485,600, an affordability ratio of 3.4× — accessible. Educational attainment sits at 35% bachelor's-or-above. The vacancy rate is 9.9%. Population is roughly 2,904 with a median age of 42. Owners hold 98% of homes, renters 2%.

On balance 21132 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.