ZIP 21157 Property Distress & Foreclosure Data

ZIP code 21157 in Carroll County, Maryland carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 42 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (67/100), flood (NFIP) exposure (65/100). What sets it apart are the readings on structural risk (42/100), construction/permit lag (38/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 16% higher over three years, at 30/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 15,471 housing units across 21157. About 37% have a four-year degree. The tenure split is 76% owner-occupied to 24% rented. Vacancy runs 5.3%. 40,191 residents call 21157 home, typically aged 42. Roughly 7.5% live below the poverty line. Households earn a median $102,835 — above the roughly $78,000 national figure. Rent burden reaches 46% of tenant households. A median home runs $424,100 here, or 3.8 times local income. On demographic stress specifically, 21157 scores 30/100.

On balance, 21157 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.