ZIP 21738 Property Distress & Foreclosure Data

ZIP code 21738 in Howard County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (78/100), flood (NFIP) exposure (68/100)). 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 (71/100), structural risk (55/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100).

The peak-phase market in 21738 posted values that rose 2.8% over the year, and 13% higher over three years (phase confidence 30/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 3,668 with a median age of 47. Owners hold 99% of homes, renters 1%. Home values center near $914,300, an affordability ratio of 3.9× — accessible. The vacancy rate is 0.0%. DLRadar's demographic-stress index for the area reads 19/100. Educational attainment sits at 76% bachelor's-or-above. 3.0% of residents fall below the poverty threshold. The ZIP holds roughly 1,121 housing units. Median household income is $230,429, above the U.S. median near $78,000.

Broadly, 21738 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.