ZIP 21286 Foreclosure, Tax-Lien & Distress Report

ZIP 21286's composite property-distress score is 22/100 - DLRadar classes that as low for Baltimore County, Maryland. The most distinctive pressure shows up in structural risk (49/100), institutional ownership (20/100), construction/permit lag (13/100). On the quiet end sit construction/permit lag (13/100) and mortgage stress (8/100). Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (88/100). On the structural side it scores 49/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 12% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 13.7%. Educational attainment sits at 57% bachelor's-or-above. Median household income is $93,093, above the U.S. median near $78,000. Around 45% of renters are cost-burdened. The ZIP holds roughly 10,343 housing units. The demographic-stress sub-score lands at 31/100. About 21,782 people live here, median age 40. The vacancy rate is 5.8%. Owners hold 62% of homes, renters 38%. A median home runs $430,100 here, or 4.3 times local income.

Broadly, 21286 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 21286 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 21286, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 21286's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 21286 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.