ZIP 21545 Property Distress & Foreclosure Data
In Allegany County, Maryland, ZIP 21545 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (34/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low. The latent-versus-live split is 34/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100).
The market reads peak — home values rose 2.8% year on year (phase confidence 32/100). Topping markets hide individual distress behind strong averages.
Around 15% of adults hold a bachelor's degree or higher. The typical home is worth about $130,700 (1.9× income, relatively affordable). The poverty rate is 15.4%. The vacancy rate is 19.3% — elevated. At $59,551, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 810 housing units. 77% of housing is owner-occupied. Around 38% of renters are cost-burdened. About 1,716 people live here, median age 44.
Net-net, 21545 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.
Distress signal breakdown — ZIP 21545
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Allegany County
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Deterministic. Every signal traces to a public dataset · methodology