ZIP 21158 Property Distress & Foreclosure Data

In Carroll County, Maryland, ZIP 21158 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), construction/permit lag (38/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. On the structural side it scores 42/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (65/100).

The market reads peak — home values rose 2.8% year on year, and 12% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

At $108,795, median income runs above typical U.S. levels. The poverty rate is 5.3% — low. Around 33% of renters are cost-burdened. The demographic-stress sub-score lands at 26/100. The vacancy rate is 5.1%. The ZIP holds roughly 8,768 housing units. Around 36% of adults hold a bachelor's degree or higher. The typical home is worth about $384,700 (3.5× income, relatively affordable). About 22,404 people live here, median age 43. 80% of housing is owner-occupied.

Overall 21158 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.