ZIP 21286 Property Distress & Foreclosure Data

Composite property distress in 21286 (Baltimore County, Maryland) lands at 21/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (47/100), institutional ownership (20/100), mortgage stress (8/100). mortgage stress (8/100) and construction/permit lag (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (88/100). On the structural side it scores 47/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 12% higher over three years (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 13.7% live below the poverty line. About 57% have a four-year degree. Households earn a median $93,093 — above the roughly $78,000 national figure. Around 45% of renters are cost-burdened. The ZIP holds roughly 10,343 housing units. On demographic stress specifically, 21286 scores 31/100. 21,782 residents call 21286 home, typically aged 40. The vacancy rate is 5.8%. The tenure split is 62% owner-occupied to 38% rented. A median home runs $430,100 here, or 4.3 times local income.

On balance, 21286 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.