ZIP 21643 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 21643 (Dorchester County, Maryland) returns a low composite of 17/100. The latent-versus-live split is 40/100 structural and 3/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100). Property-level stress concentrates in structural risk (40/100), construction/permit lag (29/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (11/100).

The market reads peak — home values rose 1.6% year on year, and 16% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 13.3% — elevated. The typical home is worth about $230,000 (3.6× income, relatively affordable). The tenure split is 84% owner-occupied to 16% rented. The demographic-stress sub-score lands at 34/100. Around 48% of renters are cost-burdened. Median household income is $61,708, below the U.S. median near $78,000. About 5,176 people live here, median age 40. There are about 2,326 housing units across 21643. About 11% have a four-year degree. The poverty rate is 16.3% — high, a tax-stress and distress correlate.

On the whole, 21643 leans distressed, with opportunity clustered in specific stressed parcels. While 21643 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 21643 runs through one identical public-record model, so its 17/100 sits on the same scale as every other ZIP in Dorchester County, Maryland and the nation. Where the public record is thin for 21643, the field stays empty rather than modeled, and fills in as new documents post.

21643's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 21643 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.