ZIP 21521 Property Distress & Foreclosure Data

ZIP code 21521 in Garrett County, Maryland carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (32/100), construction/permit lag (26/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (11/100) register low. On the structural side it scores 32/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100).

The market reads peak — home values rose 2.9% year on year (phase confidence 40/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 656 housing units. The poverty rate is 11.4%. The vacancy rate is 15.9% — elevated. Around 10% of adults hold a bachelor's degree or higher. Around 59% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100. About 1,521 people live here, median age 54. The typical home is worth about $107,500 (1.9× income, relatively affordable). At $69,758, median income runs near typical U.S. levels. 94% of housing is owner-occupied.

Net-net, 21521 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.