ZIP 21701 Property Distress & Foreclosure Data

ZIP code 21701 in Frederick County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). On the structural side it scores 55/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low.

The market reads peak — home values rose 2.8% year on year, and 12% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

Around 37% of renters are cost-burdened. The poverty rate is 7.4% — low. About 41,340 people live here, median age 39. The demographic-stress sub-score lands at 28/100. At $102,306, median income runs above typical U.S. levels. Around 50% of adults hold a bachelor's degree or higher. The ZIP holds roughly 19,513 housing units. The vacancy rate is 6.6%. 67% of housing is owner-occupied. The typical home is worth about $435,000 (4.0× income, relatively affordable).

Overall 21701 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.