ZIP 21539 Property Distress & Foreclosure Data

Garrett County, Maryland's ZIP 21539 registers 14/100 composite distress, which DLRadar reads as minimal. Structural exposure scores 33 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100). The most distinctive pressure shows up in structural risk (33/100), construction/permit lag (25/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (11/100) register low.

The market reads peak — home values rose 2.9% year on year, and 17% higher over three years, at 39/100 phase confidence. Topping markets hide individual distress behind strong averages.

69% of housing is owner-occupied. There are about 1,141 housing units across 21539. The typical home is worth about $130,200 (2.1× income, relatively affordable). At $51,667, median income runs below typical U.S. levels. About 1,846 people live here, median age 48. Vacancy runs 24.2%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 20.4% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 32/100. Around 18% of adults hold a bachelor's degree or higher. Rent burden reaches 48% of tenant households.

Net-net, 21539 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.