ZIP 21520 Property Distress & Foreclosure Data

Garrett County, Maryland's ZIP 21520 registers 11/100 composite distress, which DLRadar reads as minimal. Climate and flood risk are elevated too — flood (NFIP) exposure (78/100). The most distinctive pressure shows up in construction/permit lag (29/100), structural risk (27/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (13/100) stay muted. Structural exposure scores 27 and live distress 4 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.0% over the trailing year, and 35% higher over three years, at 44/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 79% owner-occupied to 21% rented. There are about 978 housing units across 21520. 2,327 residents call 21520 home, typically aged 39. About 29% have a four-year degree. A median home runs $298,600 here, or 4.3 times local income. Households earn a median $63,631 — below the roughly $78,000 national figure. Vacancy runs 17.6%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 21520 scores 29/100. Roughly 7.9% live below the poverty line. Rent burden reaches 21% of tenant households.

Taken together, 21520 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.