ZIP 21758 Property Distress & Foreclosure Data

DLRadar grades ZIP 21758 (Frederick County, Maryland) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (66/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. The latent-versus-live split is 51/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (74/100), flood (NFIP) exposure (64/100).

The market reads peak — home values rose 1.8% year on year, 2.1% off the recent peak, and 26% higher over three years (phase confidence 40/100). Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 20/100. Around 5% of renters are cost-burdened. The ZIP holds roughly 1,626 housing units. Around 42% of adults hold a bachelor's degree or higher. The poverty rate is 5.3% — low. The typical home is worth about $424,600 (3.5× income, relatively affordable). At $110,694, median income runs above typical U.S. levels. About 4,238 people live here, median age 42. 88% of housing is owner-occupied. The vacancy rate is 4.3%.

Net-net, 21758 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.