ZIP 21154 Property Distress & Foreclosure Data

DLRadar grades ZIP 21154 (Harford County, Maryland) at a low 25/100 for overall property distress. Property-level stress concentrates in construction/permit lag (77/100), structural risk (59/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). On the structural side it scores 59/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 7% higher over three years (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 2,692 housing units. On demographic stress specifically, 21154 scores 33/100. Households earn a median $100,583 — above the roughly $78,000 national figure. The tenure split is 86% owner-occupied to 14% rented. Around 45% of renters are cost-burdened. A median home runs $455,400 here, or 4.6 times local income. About 30% have a four-year degree. The vacancy rate is 10.6%. Roughly 8.1% live below the poverty line. 7,187 residents call 21154 home, typically aged 48.

Overall, 21154 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.