ZIP 21536 Property Distress & Foreclosure Data

In Garrett County, Maryland, ZIP 21536 scores 11 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are construction/permit lag (29/100), structural risk (27/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (13/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100). On the structural side it scores 27/100, with 4/100 of stress already active.

The market reads peak — home values rose 3.0% year on year, and 23% higher over three years (phase confidence 44/100). Topping markets hide individual distress behind strong averages.

Around 21% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,756 housing units. About 3,829 people live here, median age 47. Around 22% of renters are cost-burdened. The poverty rate is 14.7%. The typical home is worth about $201,300 (2.9× income, relatively affordable). At $69,677, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 26/100. 79% of housing is owner-occupied. The vacancy rate is 8.3%.

Net-net, 21536 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.