ZIP 21161 Property Distress & Foreclosure Data

ZIP code 21161 in Harford County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (54/100), construction/permit lag (46/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. On the structural side it scores 54/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (86/100).

The market reads peak — home values rose 2.8% year on year, and 21% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

92% of housing is owner-occupied. The vacancy rate is 3.4%. The poverty rate is 6.1% — low. Around 35% of adults hold a bachelor's degree or higher. At $99,709, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 31/100. Around 50% of renters are cost-burdened. The typical home is worth about $472,600 (4.4× income). The ZIP holds roughly 1,937 housing units. About 5,288 people live here, median age 46.

Overall 21161 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.